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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Bank account or service

There was fraud on my account which was unauthorized and my bank will not provide me with a refund.
Product: Credit card or prepaid card

I applied for a Comenity Bank issued credit card, XXXX Visa while purchasing makeup at XXXX on XX/XX/2020. This company is listed on my credit report as XXXX XXXX Due to Covid-19 hitting in early XXXX, the mail was slightly behind and I did not receive my actual credit card and first bill until XXXX XXXX, 2020. I paid the bill immediately upon receipt on XX/XX/XXXX. The first bill said that it was due on XX/XX/XXXX. A late fee of {$29.00} was assigned to the account on XX/XX/XXXX, which was 27 days after the card was issued. I called in to dispute the late fee. The company representative assured me it would be removed and would not be a problem on my credit report. However, I later noticed that the late fee was not removed and I decided to close my account and did so. When I called in to make my final payment, the representative convinced me to keep the card open, acknowledged their mistake, and assured me that the late fee would be removed and it would not go on my credit report. This time, the late fee was removed and I thought all was well until I recently obtained a copy of my credit report and saw that Comenity Bank had listed my account as 30 days past due for XXXX of 2020. This bank promised me on multiple occasions that since my mail was late due to Covid-19 that this would not go on my credit report. They have already acknowledged this by removing the late fee. This is simply a mistake that needs correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacted XXXX XXXX XXXX XXXX. In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Product: Checking or savings account

in XXXX of XXXX my account card was used to and money was stolen out of account.i reported the incident when I was aware on XX/XX/XXXX bank put the money back in the account then took it back out I been disputing this every since .the bank said their investorgator spoke to me on the phone to verify charges and I sent them proof that number hadn't been in service since XX/XX/XXXX so I wonder who they talked to I sent proof of that made and sent them a police report plus showed them my work scheldule for proof and still the bank saying it takes another 30 days for a decision.meanwhile they close my account and sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within XXXX  days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/2020 because I found five accounts and a few inquiries on my credit report that does not belong to me. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has to me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.
Product: Debt collection

Conns has been repeatedly calling my husband and myself after I have asked them not to. I paid my balance in XX/XX/2022. They are calling telling me that I paid everything but {$60.00} and now I owe {$200.00} because of accrued interest. I offered to pay the {$60.00} that was apparently owed and they dont want to accept that. This balance was paid 6 months ago and they did not contact me for the first time until XXXX. Ive spoken to SEVERAL different representatives from their company and asked why it took them sooo long to contact me. I have repeatedly asked them to stop calling me. They are calling my cell phone, my husbands cell phone and my work #. It is getting out of hand!
Product: Debt collection

I have asked for a copy of the instrument with my signature that indicates that owe the amount they say. I have sent my request via certified mail, disputed with the BBB and filed a complaint with the company 's state attorney generals office and the credit reporting agency. All of them have done nothing to resolve this daragtory information being reported on my reports. The only thing that has been given a very questionable statement that looks like it was cut and pasted together and has information from some other personal. This is not my debt and I have know knowledge of it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX ) Has violated my rights. 

15U.S.C 1681 Section 602A .States I have the right to privacy.

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up to CFPB complaint # XXXX. Documents requested from complaint # XXXX are attached. This account is not mine. 

I have never lived in South Carolina. 

In accordance with the fair credit reporting act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Between roughly XXXX to XXXX I paid Lexington law for services that would fix and help my credit. They failed to properly assess my situation. They charged me for the years I requested their services and to no avail on my behalf of their said service provision. 
Im seeking a full refund and compensated for the suffering effects of money loss and denials of personal factors involving all business that requires my credit to be pulled and used in my favor.
Product: Credit card or prepaid card

Citi closed my credit card account during the conversation with out reading disclosures. phone was cut off so I thought my account was still active but it was closed when I checked online. I asked Citi to re-activated but they informed me that I have to apply for re-open which I did and City declined my re-open request saying I have existing Citybank card was past due. I have no delinquent on my credit report it was missed place auto pay on their website and I got charged for late fee so argument was started. I paid for late fee but it was still in grace period and not even late enough to report to credit bureau. I feel so discriminated both on the phone talking to supervisor and rejected my re-open request by Citi Bank. 
Received a letter from Citi dated XX/XX/2019 stated I have to release credit from frozen. 
I called credit bureau and unfrozen and called Citi on XX/XX/2019 notify them it's released. 
I called to check my application couple of times but never got updated. 
I sent out the letter asking what's going on with my application dated XX/XX/2019. 
After one and half month after I received a letter saying it was declined. 
Please see attached letter dated XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XXXX I went into the US post office and mailed a check for {$12000.00} to the IRS for a tax estimate payment. I was written on my account with XXXXXXXX XXXX XXXX XXXX.I check and the check cleared XXXX for {$12000.00} XXXX XXXX I received a letter from the IRS that I never paid that XXXX estimate, so I called the Credit Union and requested a copy of the cleared check. They emailed me a copy of the cleared check and it was not my check and didn't even have my name on the signature line. I was shocked to find out that no one looks a signatures. The phony check was deposited in Chase Bank into a phony account then transferred into 3 other accounts. I called the police and they said it looked like Chase aloud someone to open the account online and deposit the check online. I think Chase or XXXX should pay me back for the forged check. Chase sent XXXX a letter declining to pay the check with a reference number of XXXX contact me if I cand help. 

XXXX XXXX
Product: Checking or savings account

Back in fall of XX/XX/2021 my accounts at USAA were compromised by identity theft. USAA was not clear on actions i needed to take. i wasn't understanding that they gave me a loan until it i filled out an incident form, which i did the second time sent, I had requested new accounts but they would not open new ones for me. I thought the incident was clear until i found out USAA transfereed funds to a XXXX XXXX account that was opened in my name - luckily XXXX XXXX put a security hold on the account. My next actions included filing a identity theft report, freezing my credit ect., putting fraud alerts on accounts and multiply calls to USAA to clear up the account. the individuals who stole my identity opened a new account at USAA that i could see online in someones elses name. I requested it to be closed but they denied stating it needs to go thru the fraud department. I kept receiving notifications to send an ID to prove the new person added to the account- i kept calling insisting they remove the person as i did not know them - spend hours on the phone XXXX XXXX i received XXXX letters from USAA - one closing my checking and savings, the second closing my credit card. the letter states it will continue to process deposits but denied withdrawals. It states the closure of the account will be completing in 60 days. they have not return any of the XXXX funds that were in the XXXX accounts and i can not get ahold of a person to speak with on this matter- the answer i get is its with the fraud department. it is past the 60 day time frame and i have not received the funds from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of fraud my personal information was used to open up accounts fraudulently, these account listed was not open or authorized by me
Product: Checking or savings account

For Some XXXX Sofi Bank is Blocking Me From Using XXXX and i cant use the XXXX on sofi bank i contacted XXXX support directly and there is no problem with my XXXX account and that i could use XXXX with SoFI bank with no issue but sofi bank is blocking me from using XXXX and i requested them to fix this and unfortunately the agent from sofi told me i cant use XXXX for XXXX reason i want this problem to be fix i never used XXXX with sofi bank and they blocking me from using it
Product: Debt collection

In 2006, while in my final year at XXXX University, I had a checking account with XXXX. During that spring, I received phone calls from a collection agency representing XXXX informing me that I owed around {$2000.00}. They had my name and SSN correct, but the account number was not my account. This account had bbeen opened fraudulently, used until XXXX stopped honoring the checks, and the person who had opened it disappeared. I communicated with XXXX, the debt collection agency, and I believe even filed a police report. I thought the issue had been resolved, but every few years since then, I have heard from a collection agency attempting to acquire payment on this debt.In the last three months, this has reared its head again in the form of multiple phone calls to me and a letter sent to my parents ' residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND EQUIFAX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18, my account through Capital One was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by XXXX XXXX and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, Capitol One, was a secured card with a credit limit of {$200.00}. Capital One allowed a merchant XXXX XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.
Product: Debt collection

Release of Deed of Trust recorded XX/XX/XXXX. 

Certified mail sent to Shellpoint Mortgaging on XX/XX/XXXX. There is no contract with this corporation. No acknowledgment was received. Silence is acquiescence. No loan was ever provided and does not exist. 

Affidavit of Truth and Facts sent to Lawyer for NEWREZ LLC DBA SHELLPOINT MORTGAGING SERVICES XX/XX/XXXX via certified mail. Follow up email on XX/XX/XXXX. 

2nd party Affidavit of Truth also sent to Lawyer for NEWREZ LLC DBA SHELLPOINT MORTGAGING SERVICES XX/XX/XXXX via certified mail. Follow up email on XX/XX/XXXX. 

Lawyer for Shellpoint Mortgaging violates consumer rights by filing a XXXX before the XX/XX/XXXX response date and was filed against fictitious names that are Trademarked and not on the Quit Claim Deed or original Deed of Trust. 

Wet signature Quit Claim deed shows human beings lower case names are the property owners. American State Nationals per Dept of State have clear standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax on XX/XX/2021 and informed equifax I couldnt access my account. Even I verified all my security questions accurately. They told me I answered questions wrong NOT TRUE. Ive attached documents that I sent to them previously that confirm my address Im asking not only the address beginning with XXXX is deleted but that the address is corrected to reflect the address on my license attached
Product: Mortgage

i filed a complaint 2 years ago. 
To : XXXXXXXXXXXX : RE : Y XXXX submission [ Case number : XXXX ] Date : Wed, XXXX XXXX 2013 XXXX XXXX, They ( wellsfargo and assurant ) dodged issues, by ignoring my requests and answering an answer that does not pretain to a quastion, also send in tons of irrelevant paperwork, just to drind CFPB down, it is part of their tactics. 
Now it became absolutely clear, what XXXX is doing is beyond writing a worthless check, whcih is withour a doubt criminal offense. I want you to reopen my case, review and compare forclosure procedure in XXXX court, XXXX civil law. Also i have reported him and XXXX XXXX ( XXXX CEO ) to the feds and FBI in XXXX result. 

Reason for refusal to pay is force placed insurance product. Also refusal to review odifications XXXX attempts already, currently the XXXX is in progress @ wells Fargo.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing or XXXX. 

My mortgage was due to mature on XX/XX/XXXX. I asked several times for the procedure and what to expect. However, all I got was some confusing responses. I ended up getting a payoff amount from their website and making the final payment on XX/XX/XXXX. They had no problem taking my money but for some reason the website says un-applied payment. Plus it shows I still have a balance. I sent them another email but I have yet to receive a response. 
Finally, their website says I have a payment due XX/XX/XXXX. I don't want to be penalized or anything because I already paid off my loan.