23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Account XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX XXXXXXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX 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 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 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 to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I submitted 3 securities ( applications ) and was not given a compensation/credit line. See attachment sent to Wells Fargo.
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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 or other personal consumer reports

XXXX is reporting an inquiry from Milestone that is due to be removed at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send a numerous amount of letters and details about multiple items on my credit file that have not been verified by your company. I sent out letters stating that I would like to see verifiable proof ( an orginal consumer contract with my signature on it ) that you have on file of the accounts. Numerous letters have been sent out and multiple complaints and your company have been sent out but nothing has been done. I have been keeping close eye on things and keeping a good record of my filings. You all have fail to respond in 30 days and are breaking the law and will lead to a small claims action against your company that I and seeking XXXX per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Reporting Act, and XXXX XXXX. Also stated from the company in my last complaint they review was completed and stated my results were mailed to me but the results they sent stated I did not lived in the united States or have a SSN which is also false because as my last complaint my SSN was attached to my documents it is in these complaint. This is my third complaint and attempt to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting was not made by me below 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit card

I was informed of a delinquency and lack of recent bank/national revolving accounts, and given the reason of denial/rejection was determined from my credit score and that I should contact XXXX. I have tried to obtain report thru XXXX, in an effort to review & /or dispute any so-called, " delinquency. '' But TD Bank isn't legally permitted to used credit reporting from anyone other than CFPB, nor are they legally authorized to use any aforementioned 'credit score ' as a means of determination. I explained that I had previously been a victim of ID theft and had to file a report with the IRS approximately six months prior & that they had conducted investigation, as someone had been using my SSN. This made no difference. The representative just kept repeating the same jargon over and over as though reading from a script. Even when referencing USC violations, it went completely over her head. Aside from being frustrating, I am aware that TD Bank has not only accessed my SSN trust account, and presume they've since collected on on said application, even though they denied me access to 'my ' own credit. 12 USC 414 ; Banks are given money on behalf of American people & USD is backed by the American people! It's technically impossible to 'default ' on ANY said transaction. And TD Bank is profiting, while denying me access to my own credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I recieved 6 credit alerts saying I closed my mortgage account and it took XXXX points off my credit score. I never closed my account. RoundPoint Mortgage transferred my loan to XXXX Mortgage XX/XX/2020. This the second time my mortgage has been transfered from Primelending to RoundPoint and that didn't affect my credit score. My credit reports shows I have no mortgage loan at all {$0.00} balance. From my understanding mortgage transfers are not suppose to have an impact on my credit score. My payments are current.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently was XX/XX/XXXXon the dark web. I notified SSA and froze XXXX and XXXX. Why does it cost money to freeze TransUnion? What purpose is TransUnion?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report with intention of cleaning and improving it and I did some heavy research on the fair credit reporting act. I also read about if something is inaccurate on my credit report then I have the right to challenge it. Are you informed about 15USC 1681i ( a )? I believe it says if you can not provide proof this information is verified then I want this account removed from my credit report. An investigation takes 30days if the account is not verified then please remove the account. I demand the account USDOE/GLELSI to be removed from my credit report. attached to this CFPB I have the date opened is not the same with all three consumer reporting agencies and the last reported date is not accurate for all three consumer reporting agencies. Since this is inaccurate by law must be deleted from my credit report. 

15usc1681 ( a ) ( 1 ) Equifax inaccurate and unfair credit reporting shows flaws in the banking system and destroys the trust from the people which is crucial for society and the banking system.

15usc1681a ( p ) Consumer reporting agency furnishes my consumer report to 3rd parties which leads me to 15usc1681b ( 2 ) I did not give written instructions for XXXX to furnish my consumer report to 3rd parties.

15usc1681 ( 4 ) Equifax has to be accountable and respect for my right to privacy which was violated once they sent my consumer report to other 3rd parties.
Product: Student loan

Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate
Product: Debt collection

A former landlord mistakenly sent our account to collections. After multiple attempts on our landlord 's part to contact the collection agency to cease their attempts to collect the debt, we continue to get calls from the agency, including one just now where the agency called and hung up immediately.
Product: Bank account or service

On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I recently reviewed my credit report and seen that you say I have an account that is listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report because it is considered income and only debt can be reporting on my credit report. MG Credit XXXX is trying to collect or having a charged off status. 
I demanded MG Credit XXXX remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. MG Credit XXXX violated the FCRA 15 USC 1681e ( b ) they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 

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

I have seen that XXXX, XXXX and lately XXXX has been on my credit I did not file or put in for a application, I did call each but to my amazement there still on my credit report. Please help
Product: Checking or savings account

On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) 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: Debt collection

XXXX XXXXXXXX I got ohone call from portfolio recovery threatening legal action against me for a debt XXXX XXXX thr is XXXX yrs old are they XXXX in the amount of {$860.00} they are past state of limitations for XXXX fir XXXX they're threatening legal action which is illegal harassment and stressful if they cont they'll have a court case on em alright it won't b what they're expecting tho I promise them tht
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

All the accounts that i have on experian are not mine i have sent multiple messages to them Disputing transactions and they dont give me an answer i requested that information be sent to me regarding these accounts on Experian i get no response other than the accounts are accurate my social is XXXX XXXX XXXX Full name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trl XXXX XXXX La XXXX
Product: Mortgage

This is a new development on existing case number XXXX Submitted to the CFPB on XX/XX/2020. As per the attached .pdf, dated XX/XX/2020, you can determine this company granted me a deferral. On XX/XX/2020, their representative XXXX, stated that she " anticipated '' me receiving the deferral docs for me to sign and once and for all, lift this forbearance, in 2 weeks, via first class mail. That should have arrived yesterday, XX/XX/2020 and did not. In order for me to refinance, which is in progress, this forbearance needs to be resolved asap. Today, XX/XX/2020, I once again spoke with one of their company representatives, named XXXX. I asked her when I could expect this document to arrive, she answered " I don't know ''. then redacted, now stating 30 days, opposed to the anticipated two weeks, stated by her co-worker XXXX. 

This morning I logged into their website to make this month 's mortgage payment, as I have done for years, even during this period of forbearance ( this is documented ), and unbeknownst to me, my loan is now not eligible for online payments. Nobody from this company informed me of this change to my payment capabilities and payment is due today. this is just another in a long list of irresponsible, potentially hurtful actions by this company. There should be some sort of accountability, but they just don't seem to care.
Product: Debt collection

Reference XXXX I have not received one single statement about this bill. The next thing I know I receive a letter about debt collection. I pay my bills and this very offensive. It seems like XXXX XXXX needs to hire new billing staff. In a way this is a form of harassment when I had no chance to even pay this since I never received a bill. Someone messed up somewhere and it sure wasnt me.
Product: Prepaid card

I received a VISA gift card that I used in XX/XX/2023. The card was then stored away until XX/XX/2023 when I attempted to use it again. The card was used then next day from the date of my original transaction. The vendor is listed in Illinois as possibly a XXXX XXXX XXXX. I advised the card administrators ( Blackhawk network ) and received minimal information on who actually charged the card. They provided very little support to allow me or themselves to inquire with the vendor directly regarding this charge. 

I contacted the Attorney General 's office for my State. Neither their support office handling my complaint or I received any response to their inquiry.
Product: Mortgage

My mortgage whose company is Amwest funding Corp . 

My statements from this mortgage company show that I am delinquent when I pay my monthly mortgage during the grace period and they automatically add 2 months due on statements even though the previous months were all paid but some were paid during the grace period. 

This looks really bad on me as it seems that I am always late when in fact I am not and definitely NOT delinquent. This is hurting me badly with other refinancing institutions who need to look at my current mortgage statements. 

The reason why I sometimes pay during the grace period is because of I have no other choice due to my financial schedule. 
Do mortgage company have the right to write on statements that you are DELINQUENT when a monthly mortgage payment is paid during the grace period?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request onXX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.