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

In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, Equifax, and XXXX. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Debt collection

I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. 

As per : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

Per the XXXXXXXX XXXX access database and XXXX XXXX XXXXXXXX Portfolio Recovery Associates is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account deleted/blocked from my credit report immediately. This has hindered my ability to obtain credit and lease/mortgage.

To be a debt furnisher in Illinois, you must obtain a collection agency license and comply with the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}XXXX XXXX XXXXXXXX XXXX Balance : {$440.00}
Product: Credit card or prepaid card

I called Chase Rewards approximately 10 times starting on XX/XX/2022 regarding my flight that I paid for with their rewards points worth {$520.00} ( XXXX points ) for an XXXX XXXX  XXXX on XX/XX/2022 from XXXX to XXXX XXXX. I was denied boarding on the flight and received a letter from XXXXXXXX XXXX apologizing and on the phone with the XXXX XXXX  Agent, they told me that Chase should refund me the points. 

I called Chase over 10 times for approximately 15 hours and I am transferred to an XXXX call center where there is little follow-up or due diligence with XXXX XXXX XXXX  I have not received my refund and XXXX XXXX  said it is Chase 's responsibility. I plan on closing this credit card due to the service and would like my reimbursement immediately. It has been 2.5 months with no progress. Chase either blames XXXX XXXX  ( not true since XXXX XXXX  sent me a separate reimbursement for my hotel ) or claims that since I paid with rewards points that it is not refundable. This is a rewards program scam.
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 XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$4800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Equifax over 2 months ago ( XX/XX/XXXX2022 ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of 2020 : {$290.00} / XXXX XXXX XXXX Professional Placement. They have not replied to me or removed items from my credit report
Product: Checking or savings account

I would like your help because someone committed fraud on my account and my bank does not want to help me and recognize this fraud. Two checks were deposited in my account and then three atm withdrawals were made somewhere in an atm at XXXX CA. I did not authorize this I didnt not deposited this checks nor did I withdrawal the money. I was at work in XXXX XXXX CA when this happened I had my card stolen I did not have it I did not authorize this. 
XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$500.00} XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$1000.00} XX/XX/2023 ATM withdrawal {$580.00} Chase bank did not approve this was fraud they mentioned it had to be someone close to me. I had my card stolen, even if it was someone close to me as chase said which there is no prove of and it could have been anyone who did this ; this is still considered fraud they did fraud on my account because this was never accepted by me. I do not know who did this I dont know where it even happened it was not me nor authorized by me and I believe chase bank needs to offer protection against fraud.
Product: Mortgage

Complaint against Rushmore Loan Management Services for  unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment! 
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX. 
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I wrote a letter in regards to my XX/XX/XXXXand at the federal level having a XXXX ocd therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly worthless. And Im stuck on trying to resolve this Again can not help it sometimes
Product: Vehicle loan or lease

I purchased in XXXX of XXXX. First of all they denied using my own lender and all the ones that I were pre-qualified through on their website. They only offered one with the highest interest rate. So I finally got tired of going back and forth so i did the deal and told them I was gone refinance the car with my lender in XXXX  months. Now it has been 11 months. I talked to my lender they said I would have to put XXXX down on a vehicle they have valued at XXXX bc of my negative equity but over half of is additional add ons that the lender nor the dealer won't remove so I could get it refinanced. Now both the dealer and my bank won't even discuss options for me and denying every solution I come to mind with. I've requested to remove gap insurance for a month now and they finally decided to email the form to fill out today just to turn around and deny it a couple of hrs later. Then they still won't respond to my emails calls or text about trade or selling the vehicle back to the dealer. I've sent email to XXXX XXXX and every other department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX now also known as XXXX XXXX XXXX back inXX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, Equifax, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.
Product: Money transfer, virtual currency, or money service

This happen with the company PayPal. On XX/XX/2019 I had an incident when I transfer {$2500.00} to a person Im buying a car from and the person gave me the wrong email address. I called PayPal customer service help desk and they were super helpful in helping me and refunding me. The issue now begins after the refund. Before I can do my refunded and reverse the transaction I was told I need to verify my account which I did over the phone with my social security number. After that everything was good until the next day XX/XX/XXXX. I tried to send my friend money so she can send me something from the states ( Im military station overseas ) but my account was declining it. Come to find out my account was limited and I was banned from Paypal. I again contacted PayPal customer support number and they can only give me the basics without going into my account. I have email 98 people with the@paypal.com address book and I have also submitted a claim with the XXXX but they have no reply back to me.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

A letter was sent to SARMA on XX/XX/2020 requesting validation for an alleged collection account. SARMA received the certified letter, XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. To date, I still have not received a response of any kind and this collection account remains on my credit report. SARMA has 30 days to investigate my dispute and advise me of their findings and provide supporting documentation that this debt belongs to me. I have never received any communication to advise me of this debt and only recently became aware of this debt when I ordered my credit reports.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Subject : Dispute of Unverified Bankruptcy Dear LexisNexis, I hope this letter finds you well. I am writing to formally dispute the unverified bankruptcy listing on my credit report, which has erroneously been marked as verified by XXXX and frivolous by LexisNexis. This incorrect information has seriously affected my creditworthiness and caused substantial distress, and I hereby request an immediate investigation and rectification of this matter. 

The bankruptcy in question does not belong to me due to the fact that I havent filed for bankruptcy. 

I have conducted thorough research and discovered that the bankruptcy claim in question lacks substantial evidence and verification. Moreover, I have obtained information from LexisNexis, which asserts that their assessment of this bankruptcy as frivolous directly conflicts with the verification status applied by XXXX. Such discrepancies raise concerns over the accuracy and integrity of the reported information. 

I request that your organization initiates an internal investigation into this matter, in compliance with the Fair Credit Reporting Act ( FCRA ). It is paramount that all relevant records and documentation regarding the ( XXXX  XXXX Discharged Bankruptcy - XXXX # XXXX ) be thoroughly examined for any discrepancies or inaccuracies. 

To facilitate this investigation, I have enclosed the following supporting documents : XXXX. A copy of my credit report highlighting the misrepresented bankruptcy claim. 
XXXX. Copies of the XXXX verification status report and the LexisNexis frivolous classification report. 
XXXX. Any additional pertinent documentation or evidence that supports my dispute. 

In light of the serious nature of this error and the significant impact it has had on my financial well-being, I kindly request that you take immediate action to investigate and rectify this discrepancy. To ensure swift resolution, I expect to receive written confirmation of the initiation of the investigation process within 15 days. 

I emphasize the urgency of this matter and the importance of correcting the misinformation promptly. In accordance with the FCRA, I also request that, during the investigation period, the disputed bankruptcy mark be temporarily removed from my credit profile to prevent any further harm to my creditworthiness and reputation. 

Additionally, please provide periodic updates on the progress of the investigation and any actions taken to address this issue. I fully anticipate your full cooperation and timely response as mandated by federal law. 

Failure to comply with the FCRA 's provisions and rectify this incorrect bankruptcy claim in a timely manner may result in further legal action. I trust that your organization will handle this matter with the utmost professionalism, accuracy, and diligence. 

Thank you for your prompt attention to this dispute. I look forward to a positive resolution and the restoration of my accurate credit file. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2022, the mortgage company disbursed {$8700.00} in property taxes from escrow erroneously ( they paid the taxes that were due, then later paid nearly $ 9k for no reason ). I contacted the mortgagor in XXXX to alert them to the issue and have called three more times since then. Even after four contacts, the issue is not resolved but I continue to be reassured that they are working on it. They claim to be waiting for the payment in error to be refunded by the tax authority before my escrow account is adjusted. The mortgagor conducted an escrow analysis in XX/XX/2022 and claims that I have a shortage of {$8900.00}, which is mostly due to the property taxes paid in error. They now want to increase my payment as of XX/XX/2022 to cover this " shortage. '' At this point I have no confidence they will resolve this by my XXXX payment date, and whether or not they get money back from the taxing authority isn't my problem because the " shortage '' is due to their mismanagement. I feel like an inquiry from the CFPB is the only way this will get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got a call from XXXX XXXXalking about a credit card that I had opened up. I told them that this must have been a mistake. 

In XXXX I started getting calls from them asking about payments, I asked them what I supposedly received, they said a couch. I have never received any kind of furniture from them. 

I submitted a fraud report in the middle of XXXX because an account with XXXX keeps showing on my credit report. XXXX keeps verifying the account as mine when I told them that I had not received anything at all. I dont know what to do anymore
Product: Checking or savings account

I went into SunTrust Bank on XXXX and deposited a check for {$2100.00}. I was assured by the teller that it would be deposited and the funds made available 24 hours later. The very next day on XXXX, I had no access to the online banking portion of my account. I went back to SunTrust to see what was going on, I was told by the personal banker that they suspected the funds were not in the payer account to cover the check. She then asked for a screenshot of the the check issuers bank account, showing they had enough money to cover the check. ( which I thought to be completely unprofessional ) I spoke to the issuer and they were willing to comply with the request for the screenshot, but then the personal banker said she didn't need it anymore because the issue was being investigated. I figured all of this would be worked out by the next day on XX/XX/XXXX, so I returned home. The next morning on XX/XX/XXXX I received a letter in the mail from SunTrust stating that a hold has been placed on the funds until XX/XX/XXXX. I then contacted SunTrust to see what was going on and how we could resolve this, again. I was told my account was frozen and would be closed " due to rules and regulations violation, '' representatives for SunTrust told me that there was an investigation taking place because the signature on the check had not been verified, but as long as the check cleared on the XXXX at XXXX XXXX. my account would be retained by SunTrust and there would be no issue. Of course, the check cleared on the XXXX at XXXX XXXX as I knew it would, but now I am unable even get a stop payment put on the check because SunTrust has cashed it with XXXX XXXX, which is the issuer 's bank. I have called every day trying to seek a resolution, but keep getting told there is an investigation and my account will be closed when the investigation is done. 

I believe SunTrust is in a direct violation of the Expedited Funds Availability act of 1987. They have denied access to my account and any funds for way longer than the law allows. Also, I believe them to be in direct violation of their own account rules and regulations. 
Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations [ 1 ].

It will take 5 to 10 business days before the investigation is complete, 5 to 10 business days for my account to go into " closing status '', and another 5 to 10 business days before they would send the check for my remaining balance and I have already been cut off from all my funds for 8 days. My  power is off, I have XXXX small children and my car insurance is due. We can not survive. 

Someone please reach out to me. At the earliest possibility, as I previously stated my power is off and we have no way to feed our children.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I regularly monitor my credit report, but this time, there were discrepancies that I had never seen before. I tried refreshing the page, thinking it might be a display error, but the incorrect accounts were still there. Because of this, I am requesting a careful review of the documents I have provided so that I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be XXXX years of age on my next birthday I tired of company reported incorrect information that affects my life for years. Company making money of my back, Im tired of this Experian just reported that I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Its a mobile home park, I never lived. Im tired of dealing with this XXXX. I tried to submit it dispute and it will not go throw. Its like Experian just patronize with company of means. 

Again I dont live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.