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

Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im making this short because Im being blocked on here accountXXXX XXXX  XXXX  allegedly openedXX/XX/XXXX/XXXX it got updated to stay in my report untilXX/XX/XXXX how is this possible with the statue of limitation clearly another violation
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent and inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of this account. Please provide the purchase agreement and any supporting documents proving full ownership of the account so I can verify whether it legitimately belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Debt collection

There was a XXXX XXXXXXXX credit card obtained under my name and social security number that I did not apply for, receive, or benefit from back in XXXX. I did not even know about it until I called due to seeing it on my credit in XXXX. Once I informed them that it was not my card, they forward me to portfolio recovery associates of which they told me I owed {$380.00}. I told them it was not my card and that my first card was a XXXX card that I received back in XXXX and after that I got my first real credit cards ( of which I still have and pay ) XXXX of XXXX. They told me they would put it in dispute. I asked for a copy of the bill I received 4 months later only after the continued to call I continued to dispute and request. Once I got the bill they asked me to forward the documentation which is a form I had to fill out and send back to them of which I did in XXXX. They even told me to send a email ( I did twice ) to their dispute department stating it was not my card and it is creating a hardship on me. I have disputed this at least XXXX times. They call every 2 months and I dispute. They told me the reason the believe it is my account is because who ever obtained the card used my social security number to get it and they paid on the card a a couple of times. They keep asking me to file reports and feel out paperwork of which I have done. I live in a who different state from which it started now they want me to go to the local police off again and do it again but this time they told me to contact CFPB as well.
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 # XXXX, Account name : Department of Education/ XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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
Product: Debt collection

I have filed a complaint once. The companies response specifically stated they dont intend to disrupt the workplace and they noted the account and will stop calling my employer. They continue to do so MULTIPLE times a day.
Product: Checking or savings account

On XX/XX/2022, I mailed cheque # XXXX made out to the other of XXXX XXXX XXXX Collector. 
On XX/XX/2022, I was notified by my mortgage officer that my taxes are still outstanding. After checking the activity in my statement, I called Chase and notified them that the person having negotiated cheque # XXXX was not the payee to whom I had made out the cheque. As per the instructions of the representative on the phone, I went to my local branch the next morning ( on XX/XX/2022 ) and filled out the necessary forms ( please see attached ) to have the monies deposited back to my account so I could pay my taxes. 
After several follow-ups ( the last one as of XX/XX/2022 ) the issue is still unresolved. During my several conversations and hours of being on hold to reach a representatives and numerous supervisors, I have been told that my options are to investigate the matter myself and try to track down the person who stole/modified the cheque, call bank XXXX XXXX and ask them to investigate, or just accept the fact that the matter may not be resolved.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I request that you investigate and remove the disputed items from my credit report. You are required to verify these items with the creditor who reported them. Any information that can not be verified by the creditor should be removed. According to 15 U.S.C. 1681i ( a ), this reinvestigation must be completed within thirty ( 30 ) days of receiving this letter.
Product: Checking or savings account

This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a 180 days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner to help me resolve this issue I did nothing wrong. 
PayPal Reference ID : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple requests to credit bureau Experian and XXXX XXXX XXXX for proof of this loan. I have sent multiple emails and made multiple calls to XXXX XXXX for information regarding this outstanding loan. I did not receive any service or product that would render this loan. I requested paperwork and a contract from the company XXXX XXXX who may have been a company that work with XXXX XXXX. They do not have anything in their file. Experian has consistently stated that they did an investigation and as of XX/XX/XXXX can not produce a contact name, actual investigation results or any information that was a part of the investigation. I have placed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All have resulted in the response that they have done an investigation but with no evidence provided to me. 

The last certified letter correspondence I sent to XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX was XX/XX/XXXX and the last email XXXX was XX/XX/XXXX. I have also made many phone attempts to get information at phone number ( XXXX ) XXXX. All attempts have resulted in failed communication. 

At this time I have exhausted all avenues to rectify this issue with my credit report and a loan that I have not authorized using my information. This has been an exhausting experience with what seems to be automated response from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my credit card account with XXXX bank and it is being listed as open on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, from Rash Curtis & Associates, has been calling my workplace ( a XXXX ) repeatedly over the last two weeks. He has called three times SINCE being told by the receptionist that we do not allow these ( personal ) phone calls at work ( including today, XX/XX/2018 ). He told her that he would call other branches of our school, looking for the number for our Human Resources Department. He was rude and threatening to our receptionist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( XXXX  XXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) The following accounts were a result of identity theft : XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  & Equifax ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX  ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXXXXXX XXXX XXXX
Product: Checking or savings account

Hello! 

There were XXXX unauthorized charges on my account. 

- Amount : {$75.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$300.00}, Merchant : XXXX XXXX Date : XX/XX/XXXX As soon as I noticed the charges I cancelled my account and then immediately reached out to the lenders. 

I first called XXXX XXXX. I asked if they can look up the charges on my card ending in XXXX. They told me they weren't able to do that but were able to verify that I haven't made any charges on my account since XXXX of XXXX and I verified those charges were authorized. 

I then called XXXX and asked if they had charged me on XXXX of my reservations since I actually bought a flight a month ago and canceled it. they assured me there were no charges on that reservation number and to contact my financial institution because I was already refunded. 

I then called Chime multiple times to report these charges and they filed my complaints. just 2 days later I got a response back telling me that no error occurred because I was making other charges around the same time and that I said I didn't have my card. This was false- I never said I didn't have my card and that was an error on the representative 's side that could be verified by looking at our call recording. 

They claim no error occurred but I did not make these charges and they won't do any investigative work to see who did and denied my refund. This is an awful company with awful customer service.
Product: Student loan

I signed up for loan forgiveness program. I have been working for a nonprofit organization since XXXX. My loans were transferred from navient to Fedloan servicing XX/XX/XXXX. XX/XX/XXXX i received a welcome email from fedloans. Fedloans try to charge me for past due amount during the transfer from XXXX. Initially i had to file a complaint because Fedloan were not applying my payments towards loan forgiveness program. After the complaint only 4 qualifying was adjusted. I have been making payments to navient since XXXX and only 4 payments qualified according to FedLoans i find that hard to believe. XX/XX/XXXX i received a qualifying letter it was 4 in XX/XX/XXXX another update 4 payment qualified. It is now XXXX only 4 loans apply since XXXX where are the additional 8? 

My first payment directly to Fedloans was XX/XX/XXXX. It is almost one year and i only made 4 qualifying payments? Something is wrong with this. I am actually paying ahead this message is on my account ( You are paid ahead since you made some payments above and beyond what was due. )
Product: Mortgage

On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting a balance on my account of {$880.00}. This account was charged off. I did not receive form 1099 C from them. Please remove from credit report or I will sue them and report to IRS. 

XXXX XXXX also shows balance owed. I never received 1099 C.
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX I have been contacting my mortgage company, Freedom Mortgage, requesting my mortgage interest rate be decreased to 6 % referencing Louisiana Revised Statute ( RS ) 29:312, Service members Credit Relief Act, given that I am XXXXXXXX XXXX XXXX XXXX on XXXX XXXX orders. The company has refused to lower my interest rate which I believe I am entitled to. I have a copy of all messages sent to the company. Any assistance you could provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove the inaccurate information that is reporting to my file. this has caused major denials in my credit report an needs to be fixed asap. please review an remove the listed items. I have been a victim of identity theft an reported to all credit bureaus showing interested in deletions of the items listed. please submit, review, & remove all item asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, XXXX, nor TransUnion. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.
Product: Credit card or prepaid card

My wife and I own a business, so when we moved to a new office space, I went to open a secondary business checking account at BB & T near our new office. The banker pitched a business credit card to me and I told him we could see what credit line we were pre-approved for. He called me back and said that our card was approved for $ XXXX and that everything was set to go. However, come to find out, he opened a new personal lines credit card in my WIFEs name only without her express consent and even went as far as signing her name onto the card application, as she never visited the bank on any occasion. They began reporting inaccurate information while I was attempting to escalate this matter and now the reported late payment has delayed our home closing due to our APR being increased, which would result in additional payments of $ 35- $ 40k over the 30 year loan period - we NEVER have any late payments on ANY of our accounts, so this has really damaged our credit, in spite of this being a fraudulent account and not being any fault of our own whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account with AD Astra Rec inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Product: Credit reporting or other personal consumer reports

Now I have discovered that the item XXXX  XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile.