23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

The Insurance did not pay the correct amount for the ER services even after the new law went into effect for using an IN NETWORK hospital, the attending Physician wasn't IN NETWORK. They were supposed to pay this bill, I had several contacts with the Insurance company and they said they would pay the bill. In the meantime CMRE collections reported this on my Credit Report. It has been ongoing for over two years and CMRE should have removed this report.
Product: Credit reporting or other personal consumer reports

After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX- XXXX Bal- {$0.00} XXXX XX/XX/XXXX
Product: Consumer Loan

Pnc bank. I have a XXXX and have been 30 days late on my car payment. This company starts calling me at XXXX. On XXXX they called twice. The payment was made at a PNC branch on XXXX/XXXX/2016! The payment is now caught up. I asked that they stop callin and they refused!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 XXXX
Product: Credit card

- XX/XX/year> Received a XXXX XXXX credit card in the mail that I did not apply for. 
- XX/XX/year> Received an alert via my credit card app that an account had been opened in my name. 

I Called XXXX XXXX credit services to file a complaint/dispute Was told that a purchase of electrical coils and other items was made on XX/XX/year> at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX credit services began an investigation and will reach back out to me at the conclusion of the investigation anywhere between now and XXXX days from now. 

In the meantime, they have closed the fraudulent account and contacted the credit bureau ( Experian ) on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX ( XXXX XXXX ). ( XXXX ) : Account # XXXX XXXX {$2200.00} 2. XXXX ( XXXX ) : Account # XXXX, XXXX {$1400.00} 3. XXXX XXXX XXXX : Account # XXXX, XXXX {$120.00} 4. XXXX XXXXXXXX XXXX : Account # XXXX XXXX {$100.00} 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

you are reporting incorrect, incomplete, and/or unverifiable account information within my credit file. This item is the result of fraudulent activity, because someone has used my personal information without my knowledge. Therefore, it must be clearly noted that I am the victim of identity theft. These accounts must bePERMANENTLY BLOCKED and/or DELETED! 

I recently discovered that you are reporting numerous accounts that do not belong to me. Someone has been using my name, social security number, and date of birth to obtain these accounts. These credit card, collection, student loan accounts do not belong to me, I am not the person that has opened these accounts, nor have I obtained the debt that is being reported within my credit reports. These accounts are not mine, none of them are. 

These below listed item was fraudulently reported
Product: Credit card or prepaid card

This goes out to Synchrony Bank ( Belk Rewards MasterCard ). Since XX/XX/XXXX, I have experienced fraudulent activity. Not once, not twice, but I had 6-7 different cards sent to me. ( I was a victim of identity theft ). Here it is XX/XX/XXXX, 9 months later, I have a {$3300.00} credit limit and somehow a {$6100.00} balance. This has ruined my credit and stripped me of my financing power and Synchrony Bank, Belks fraud investigation team, could give a XXXX less! I have turned in numerous fraud claims, at this point in time, they waste 30 days at a time of my time, and tell me it will be handled, just for me to receive letter after letter in the mail, saying that I authorized this purchase or allowed someone to use my card which is the absolute furthest thing from the truth as they continue to come up with excuse after excuse and do anything in there power NOT to fix my issue. I highly suggest you stay away from this company, they are a bunch of frauds!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 someone initiated a bill payment from a Bank of America account which I don't have nor do I know anyone with a Bank of America account. The amount was {$1100.00}. I immediately contacted my bank to inform them that it was not me, but they were required to perform certain operations to confirm this. Two days later, the " payment '' was reversed due to NSF, so this tells me someone knew the funds wouldn't be available, but they had TWO WHOLE DAYS to use the CLONE of my credit card. Thankfully, those attempts were declined, but I have worked for banks before and I know that Auto pay, ACH, billpay, Wire and transactions such as this CAN NOT be processed from an account which does either not exist or has the funds available. I have since closed the card as well. My bank has no further information than that it was initiated from a Bank of America Account, so I don't know how I could contact Bank of America and attempt to resolve on their end as well. 
I feel as though Bank of America 's checks and balances to prevent things like this are lax to say the least! 
If I had not caught this in time, I could have suffered major losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Prestige Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Debt collection

The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not.
Product: Debt collection

I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.
Product: Debt collection

XX/XX/22 XXXX from Resurgent Capital Services stating I owed money from a credit card {$1300.00}. I replied in writing asking where this debt was from and why. 

XX/XX/22 XXXX from Resurgent Capital Services stating they had initiated a review and then they sent a account summary which provides verification of debt. I replied in writing that this was not my name and I had never lived in NY where this persons address is listed. 

XX/XX/22 XXXX from Resurgent Capital Services stating again that they were sending me verification of debt. Again incorrect name and address. On XX/XX/22 I sent a letter to Resurgent Capital Services stating this was the wrong name and wrong address and that I would file a complaint if they did not stop sending something for someone else. 

XX/XX/22 Letter from Resurgent Capital Services stating again that they were sending me verification of debt. Again the incorrect name and address. Letters mailed to Resurgent Capital Services stating that again this is not my name or address. Also complaint filed with CFPB and States Attorney Generals of SC and NM.
Product: Debt collection

On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. 

I requested that North American Credit Services provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

North American Credit Services have not complied with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve had an account with XXXX  XXXX open XXXX XXXX since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records
Product: Debt collection

My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX. Thank you so much for your time.
Product: Credit card or prepaid card

I have a card called Cashapp, the parent company is Block ( formerly square ). Without warning the company closed my account; stating that I had violated their terns of service in some way. This occurred on the XXXX of XXXX and since then they have not told me what terms of service I violated. This is a transfer account I used to send money to my Son who has moved to another state and hasn't yet established a bank account. 

I simply want to know what terms of service I violated, I've read through the XXXX and don't see anything, and as I have asked several different " advocates '' and have received the same scripted response each time. They say they've sent my case to the escalation team and that I'll receive a response by email ; they never say how long it will take, nor do they reference a case number until asked. They do not give chat transcripts or phone call transcripts, so I've had to screenshot all of my chat correspondence with them. it's as if they just set everything up for their benefit, even in the terms of service the wording is weak at best. " If you do something bad '', we can close your account etc. 

I don't want the account reopened, but I do believe I have the right to an expedient answer as to why they closed the account. If they had said " hey, it'll take us 30 to 45 days to give you an answer, I wouldn't have been happy, but at least I'd know. As it stands, it's ambiguous and I don't think they intend to answer at all.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party disputing this issue .I am being taken advantage of by XXXX Equifax and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

RE : A ccount Numbers -  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  phone -  XXXX  email -  XXXX  XXXX  XXXX  My mother,  XXXX   XXXX   XXXX , had a mortgage that was held by CitiMortgage. She held that mortgage as an individual, it originated  XXXX . My mother passed away  XXXX   XXXX ,   XXXX  . I informed CitiMortgage of my mother 's death and sent the death certificate. My mother did not have a will nor did she has any assets. I received a mortgage statement from CitiMortgage the following month with my name  (   XXXX   XXXX   )  and my sister 's n ame (   XXXX   XXXX  ) listed on the mortgage. I contacted CitiMortgage and they stated they put our name on the mortgage now that my mother had passed away. I explained to them they can just add someone else to a mortgage, we had nothing to do with my mother 's home. They reviewed the closing documents and discovered neither myself or my sister had signed any documents. They faxed me copies of the documents on  XXXX   XXXX ,   XXXX  . It appears my mother listed our names on the loan application under the title without our knowledge. They stated they would remove our names. We did n't receive any further statements from them. I did not nor did I ever live in my mother 's house. I did not obtain her house after her passing nor did I benefit from her home. Neither did my sister. I assumed everything had been corrected. I obtained a recent credit report which is listing  CitiMortgage with more than 17 late payments adversely affecting my credit report. Even though the y stated they removed my name from the mortgage they continued to report negatively on my credit for an additional 4 years.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal financial data comprised by Experian. So I placed a credit freeze on my credit report on XXXX. Paid {$10.00}. Enrolled in its IDnotify  program on XXXX. I received notice in XX/XX/XXXX that my XXXX was being canceled. Then I got a notice that my credit report would be unlocked because my IDnotify was expiring. What is the difference between these programs, if any? When I went to the Experian web site now, in XX/XX/XXXX, I had to sign up to pay {$9.00} per month to have my credit report locked. I don't want to be a victim of identity theft because Experian was hacked so I signed up to lock my report. I am a trademark and copyright lawyer and am very familiar with false and deceptive advertising. That is what Experian is doing. It is misleading consumers and confusing them and scaring them into paying Experian to protect their personal financial information. I am the PRODUCT Experian is selling - my financial data is the PRODUCT it sells. Experian does not clearly explain the difference between a credit freeze and a credit lock, or what is covered in its different protection programs, and what you are getting when you pay Experian {$9.00} per month. This is a rip-off of consumers. Experian is profiting from the companies that purchase the financial data of ordinary consumers ( such as myself ) AND profiting from consumers whose data they allowed to be compromised by not protecting their database from hackers. This is illegal and wrong, in my opinion. I should be able to freeze and lock ( or whatever term Experian  chooses to use ) my credit report at no charge to me - because Experian created this problem, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, XXXX, EQUIFAX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car i n 2015. A fter purchasing my vehicle through  XXXX   XXXX , I see that over  XXXX  inquiries were processed on my credit report without my authorization. I contacted Transunion directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.
Product: Student loan

I applied to SAVE program well over XXXX weeks ago. I was approved in XX/XX/2023, In the meantime my interests are accruing dramatically and I am going to be financially responsible due to them being understaffed and unable to handle the volume of student loan applications. The wait times for phone calls are XXXX hours and their customer service line is completely useless and have no clue how to handle or trouble shoot any issues. I qualified for the XXXX program and they changed me to forbearance which severely impacts me down the line. I would like to be placed on XXXX immediately so I can repay my loans without my balance increasing