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

Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. XXXX is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXXwith XXXX, Equifax and XXXX yet the incorrect information is still being reported. <P/>2 ) XXXX is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath
Product: Debt collection

The company XXXX XXXX XXXX is claiming that I owe {$470.00}, impersonating XXXX XXXX. Firstly, I never make any contract with XXXX XXXX XXXX but with XXXX XXXX so that is braking the rule already, make account with XXXX XXXX, when I was in the XXXX in 2009, and the account was paid off. I have disputed this account multiple times and asked for the original contract and payment records, but they refuse to provide them. Additionally, a supervisor threatened my family when I asked him to communicate only through letters and provide the original contract. They keep changing dates to be able to collect on something that has already been paid. This also violates the Fair Credit Reporting Act ( FRCA ) by marking my credit report for more than XXXX XXXX Not even sent me to a credit bureau to try to resolve the issue, reason they don't see days of when was open or according to XXXX when it was delinquent neither record, now they have just put the account number without stating when it was opened or when it went into collection, which is another violation. I am concerned that this will affect my credit report for around XXXX XXXX  because no one wants to do their job properly, while violating my rights.
Product: Prepaid card

My XXXX XXXX prepaid card was stolen and a fraud charge was made. I filed a dispute on XX/XX/scrub>XXXX and was expecting a decision to be made. I got a email today saying that I requested for my account to be closed, and that is false. My card is being closed because I filed a dispute and that is not fair. I request that this claim be governed for constructive fraud being caused by this major bank.
Product: Checking or savings account

I am a Bank of America customer since XXXX. I have a current account and a savings account. I am not living now in the US so I manage almost everything through online banking and I use the customer service phone number only for specific reasons. Earlier this year I called Bank of America and asked if there was any extra security method I could use for my savings account. The answer was that I could freeze the account as we were talking on the phone to prevent any funds being transferred from that account until I call again and unblock the account on the phone. I agreed with that and blocked the account. 

In XXXX, I called the bank to unblock the account because I needed to transfer some funds to my current account. To my surprise, they asked me for a US cellular phone number to receive a text to authenticate me. They never asked for that in the past. Actually, they always required answers to security questions and asked personal questions like passport number, card number, etc. Since that first call in XXXX, I have made dozens of calls, I have asked to talk to supervisors, I have talked to the fraud department and so on. I have offered them any other method to verify my identity, even a video call where I can show any of my bank statements, my passport and any other ID, whatever they require. The answer is always No. I have also asked them to use their sister bank in XXXX ( XXXX XXXX ), so that I can go to any bank office here and give them personally any document that helps Bank of America to authenticate me and unfreeze my savings account. 

I have tried to use a XXXX XXXX number and a XXXX XXXX  with a US phone number, but they work as virtual numbers and do not accept authentication texts from banks. The bank says I need to go to a bank office in the US to solve the problem. 

I do not have the possibility now to flight to the US to go to my bank office to unblock an account they recommended me to block. Do you really think that is a possibility? 

They are withholding my money and who knows if this is a strategy to control the access customers have to their own money.

Imagine my frustration. I had to ask a friend living in the US to transfer funds to my current account at that time. I really appreciate if you can help me to solve this problem since traveling to the US is not a possibility for me now due to sev
eral personal reasons.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with Target TD. XXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while XXXX and XXXX report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received any investigation results.
Product: Credit card or prepaid card

I just found out recently that a Capital One credit card was opened in my name back in XXXX. It appears they did try to collect the debt but gave up and finally wrote it off. I didn't know about it until I tried to get a car end of last year XXXX and the auto dealer pulled up my credit. The reason I didn't know about it was because whoever opened the account fraudulently in my name used their own address in XXXX XXXX, AZ and Capital One sent billing correspondence to them. I recently disputed this with Capital One and they sent back a letter saying that they can not find any signs of fraud. The XXXX XXXX, AZ address is on my credit report incorrectly so the fraudster at that address used my information to apply for the credit. In XXXX, I was in High School and I had no credit background and I lived in XXXX, AZ. For some reason, the fraudster managed to get access to {$16000.00} from Credit One using my identity. I can not even get that much right now on my own from a reputable bank. Also, I can not file a Police Report on something that happened 10 years ago. Capital One is violating my fair credit reporting rights and holding me hostage to a debt which I had no knowledge up to now.
Product: Mortgage

All files were sent to my mortgage company Mr Cooper. Did a modification because of XXXX XXXX. Had a 3 month trial on XXXX XXXX and XXXX and paid {$790.00} all XXXX on time. My very first mortgage payment was due on XX/XX/XXXX. It didn't happen because there was something wrong with the Contract.

I ended up signing 5 different Contracts before the modification was corrected. I have all 5 contracts hard copy in my possession. I called 2 and 3 times a week to get this done. They took way over a year to get it right. I have way over 60 digital recordings speaking to one agent to another, they did not fallow through! 
They finally gave me a second 3 month trial. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For {$1300.00} per month. I am still paying this amount now. They sold my mortgage to my now mortgage company XXXX. Just had a XXXX XXXX going through recovery. Very disappointing! 
There is lots more to this story.
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit file from XXXX XXXX this inquiry is fraud and not mine please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXX, XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being unfairly treated and targeted by this bad organization and this bad company who does property management with The XXXX at XXXX in XXXX, VA. They unfortunately provided me little to no information and used my personal information to set up an account with deposit iq a company I have never heard of. Now they are stating is my fault and I owe over XXXX. They have now proceeded to damage my credit score. I disputed it and with experion and experion is refusing to remove the damaged account information that inaccurate and wrong. I dont understand what to do. This in not my debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Transunion XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which clearly states Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Not only is XXXX XXXX in violtaion of The Fair Credit Reporting Act but clear violation of the Privacy Act of 1974 ( 5 U.S Code 552a ) an! 5 USC 1681a ( 2 ) ( I ) states reporting Transaction history is illegal. Credit Acceptance the financial institution and the Consumer reporting agencies Transunion XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, an XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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. '' this account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable casuse to believe that the information is inaccurate. 15 U.S Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX. 

We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX  on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded. 

I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me. 

XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX, 2023, my client XXXX XXXX XXXX XXXX, a company that resells motorcycle spare parts and such, remitted the amount of {$340000.00} to XXXX XXXX XXXX, to XXXX XXXX XXXX. We found out something was wrong with this account number, so the supplier ( XXXX ), gave us another one, from PNC bank. The information given about this account was : Account number XXXX / Domestic routing number XXXX / International swift code XXXX, bank address XXXX XXXX XXXX, XXXX, Kentucky, XXXX, XXXX. 
The supplier, XXXX XXXX XXXX, owner of this account, never received the funds, in spite of all documents from the XXXX side mentioning that the operation had been completed. XXXX XXXX XXXX, the person in charge of customer service in XXXX contacted the bank, but did not have any replies whatsoever. I tried contacting them, but as I am not related to the account, as expected, they could not give me any information. 
I hope I can have a refund to my client ( my company renders XXXX XXXX XXXX XXXX ) , as he is not interested in havin the funds sent to the supplier anymore. We just would like to know where the funds are and hopefully, be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX , OH 4XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
Product: Debt collection

On XX/XX//23 I received an email stating that my loan was paid in full. 

However, on XX/XX/23 I received a letter stating instead that my account is suddenly past due. Furthermore, the person on the phone was extremely XXXX XXXX  and refused to explain why I was being charged more money. I ultimately sent in a paper check under duress but as a person with XXXX I am extremely uncomfortable with unethical business practices employed by these 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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation back from Experian they said everything is 100 % complete and accurate. I would like to receive that description according to 15 U.S.C 1681I ( C7 ) because the list of accounts below are not accurate. XXXX bank # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block following items listed. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed : {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my credit report which led to me filing a FTC report. I mailed the report certified to Transunion and it was received by Transunion on XXXX XXXX. I have a green receipt of reception from Transunion in which I have included in this complaint. I also made a complaint prior to this one which was XXXX and Transunion said they needed my authorization so they can proceed/block the fraudulent accounts. These complaints are being made by me and no one else. You have my authorization to delete these fraudulent accounts and inquiries immediately. I have provided a copy of my social security card and proof of address to confirm that I am making these complaints. You are taking advantage of me and infringing on my consumer rights. These fraudulent accounts should have been deleted/blocked from my consumer report MONTHS ago, but yet you are still taking unjust advantage of me. You are hurting my reputation with the banking system and I'm unable to access my full faith in credit! Not only should these accounts have been deleted, but they never should have been furnished in the first place. Pursuant to 15 usc 1681a ( 2 ), which is the EXCLUSIONS section, consumer reports should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. CREDIT CARD meaning my social security card pursuant to 15 usc 1602 ( L ). I DEMAND THAT YOU DELETE the fraudulent accounts NOW! I also never gave you WRITTEN PERMISSION to furnish ANY of these accounts pursuant to 15 usc 1681b ( 2 ). My consumer rights and my right to privacy are being violated KNOWINGLY!! I WILL SUE!!
Product: Mortgage

On XX/XX/XXXX, I scheduled a manual mortgage payment for {$5300.00} to be paid on XX/XX/XXXX. When the payment was not withdrawn by XX/XX/XXXX I called and asked why it had not been debited from my bank account. Chase assured me this was normal and that it would be effective XX/XX/XXXX. 

I called Chase on about XX/XX/XXXX and spoke with a rep named XXXX, who told me that the payment didn't go through. It ended up that for some reason, Chase stored a separate bank account for the automatic payments and manual payments. XXXX told me that if I made a manual payment on XX/XX/XXXX by telephone with her, that she would backdate the XX/XX/XXXX payment to indicate it was paid on XX/XX/XXXX. Had we not made this agreement, I would have made my mortgage payment on the XXXX as normally scheduled. 

On about XX/XX/XXXX, XXXX called me and told me that she was now refusing to honor her promise made in exchange for payment on XX/XX/XXXX, and would not backdate the payment. XXXX told me Chase has a voice recording that will corroborate our verbal agreement for early payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were NOT authorized : - Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX