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

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The XXXX XXXX Fair Debt Collections Practices Act Cal. Civ. Code section XXXX, et esq the XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all information listed on my credit report that is invalid an inaccurate. none of the accounts listed follows FCRA rules an need to be deleted asap. I am a victim of identity theft an none of these accounts belong to me. please review an remove the listed items to help my credit report asap.
Product: Credit reporting or other personal consumer reports

I am filing this FTC IDENTITY THEFT AFFIDAVIT to report several fraudulent inquiries on my consumer FICO credit report. These inquiries need to be removed immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'd like to open a class action law suit against Midland Credit Management for $ XXXX for trying to collect debt in the state of California without a license Pursuant to FDCPA 15 USC 1692 MIDLAND CREDIT MANAGEMENT , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX, United States
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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX 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: Mortgage

On XX/XX/2022, I was charged {$1800.00} by PennyMac for not paying my insurance premium in a timely manner. In XXXX XXXX, I was going through a refinance with XXXX XXXX, for a rate of XXXX. During the process is when I found out from the other lender that I did not have property insurance. Once I found out I was in an extreme hurry to find some insurance for my house since I did not have insurance from XX/XX/XXXX - XX/XX/XXXX. I could not find not one to cover me except Virginia XXXX XXXX XXXX. This is not good insurance but I accepted it because no one would cover me. Because of this one instance what has happened : 1. No one but the state would cover my home. 
2. PennyMac charged me {$1800.00} for property insurance when it was their responsibility to pay my property insurance. 

My escrow is {$180.00} a month, my property tax is {$5.00} a month + {$74.00} a month. When I called today she advised that {$100.00} went to shortage escrow. My escrow balance right now is $ XXXX {$180.00} because I made a payment today. 

$ XXXX XXXX {$2200.00} property insurance is {$880.00} + property tax is XXXX = {$890.00} There is no shortage, there is an overage. 
The amount of my escrow should be {$74.00}! 

I was never informed that my payment was going up.
Product: Credit card or prepaid card

I was having a hard time managing multiple checking accounts while going through my XXXX treatments, so I closed the one charging me monthly fees ( Bank of America Checking ). I closed this account from within my local branch ( the only way allowed ) and was told that it would be closed with a zero balance and all pending transactions ( including automatic payment to my credit card also with BoA ) were factored in. I was given incorrect information by the branch, and the payment to my credit card did not go through ( a tiny {$20.00} or {$40.00} amount ). Due to the bounceback from closing my checking, BoA put a restriction on the credit card payment system and did not allow me to make any payments on the account. I was not able to visit a local branch again due to being in the hospital for XXXX with my XXXX, and they listed the account as past due and closed my credit card, resulting in a 100 pt drop in my nearly perfect credit score.

In addition, when I called to attempt to resolve the issue ( a call placed while at my local branch ), I was given a trove a misinformation ( which was also given to the branch manager. They also ran my credit again without my permission when " looking into re-opening the closed account '', resulting in a hard inquiry that I did not place and further drop in my credit score.

Both of these issues have caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

Bankruptcy filed with clerks office but told that the clerks office doesnt give information to TransUnion XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX # XXXX financial data sys # 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. 

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, I have tried several time to have Transunion remove some aliases off of my Transunion credit report. I have sent them proof of my identity thru driver license. They refuse to remove two aliases off of my report. I have reported it as fraud to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Money transfer, virtual currency, or money service

I initially attempted to transfer my funds from my Money Network account but was unable to do so because the system indicated that my debit card was not activated. I contacted customer service to activate it, but they informed me that they would send me a new card instead. However, I never received the replacement card. 

Since I still needed access to my funds, I requested that a check be sent to me instead. Instead of receiving the check, I was notified that my account had been closed. The notification also stated that I needed to call back to verify my address, even though they already had the correct address on file. 

At this point, I was also unable to log in to my account. The system locked me out, claiming that I had made too many login attempts, despite using my auto-saved username and password. After waiting for a few hours, I tried again using the exact same auto-saved credentials, and it workedindicating a clear issue with their system. 

I then called Money Network again and was told by a representative that I needed to be transferred to the escalation team. After waiting on hold for two hours, I called back and spoke with another representative, who was able to void the check and re-add the funds to my account. However, I was then informed that I would need to wait another five days for the check to be sent out again, on top of the additional time for delivery.

This entire process has now been going on for four months, and I am still unable to access my funds. The repeated delays, system errors, and lack of responsiveness from Money Network have caused significant financial hardship and frustration. I am requesting immediate action to ensure that my check is processed and delivered without any further delays. 

Additionally, Money Network needs to address the login system errors, extended hold times, and communication failures that have made this situation even more frustrating.
Product: Credit reporting or other personal consumer reports

Credit report file Report Number XXXX Generated on XX/XX/2024.

The personal information provided on this credit report is inaccurate.
Product: Credit card

For the last year or so, I have been unable to access my XXXX score as advertised by American Express. I have been told several times by customer service representatives that this matter would be resolved. However, to date, this matter still has not been resolved, despite being promised otherwise by customer service representatives, customer services managers, and customer service supervisors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30, 60 and 90 days past due. Ive never been behind on my payment. I tried contacting the Experian Credit Bureau and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1100.00}.
Product: Credit card or prepaid card

Hi, back to XX/XX/XXXX I lived in XXXX for my first time as a XXXX.

walk in to Wells Fargo bank and talk with a representative named XXXX.

she was always busy and nice I wait till she finished with others then she asked me to open an account because its good for me what ever, finally I got the card on the mail and the card was gray card with is different than my other back ( red ) I tough its a good card because of the color ... I had no idea what is credit or debit and how its effecting my score.

My process for a XXXX XXXX was apply for my family and I and its been a while since we had to go back to our country, i got back to USA after receiving my XXXX XXXX  in the mail and have it for about 2 yrs.

So after all I got my social security for 2 years and 2 Cards 1 from XXXX XXXX XXXX and one from XXXX with fico score from XXXX  and XXXX  is XXXX witch is very high as I have been told I tried to apply for " Cash Wise '' card in Wells Fargo Bank in XX/XX/XXXX.

I got declined by the bank with not understanding the reason!

XXXX and XXXX didn't showed anything about Wells Fargo bank!

I visit a lady work in " XXXX '' XXXX   somehow I told her the story then she Saied maybe XXXX report will show and that's what happened!

Finally I open the account on XXXX   with paying $ XXXX/Month I asked for Free check for all my credit Bureaus I sow the credit report and I see the problem!

Before I had the SSN in XX/XX/XXXX as a XXXX XXXX  from the bank opened a secured card under my name and just told me that this card is good for me!!! all this payments I did was for XXXX dollars all the time and I didn't understand the whole think, the card color the XXXX limit it just was a secure card from Wells Fargo! all this history waited to me when I just got my SSN than stick to my credit history!

I got like 4 month with late payments for my card because they charged me for having less than 1500 so its just build up and up.

At the end of the day I tough this is a Debit Card so I don't have to worries about the money that there because its my money and its not the bank so I can use it and max it out and its all good and not hurting no one.

so in XX/XX/XXXXI got into USA and walked in the branch and I had a balance on my acc and they told me its because the account didn't have XXXX  dollars in the Debit card so I have to pay the fees. I paid that also.

so what I did?

1. I fly from XXXX  for XXXX to talk with her and get it removed ( also I visit my family so it wasn't really bad to find out what happened with XXXX ) XXXX got fired from the Wells Fargo because she made a lot of bank accounts for others and make commission somehow, she apply for me with not under my permission and she speaks my language so you usually trust someone from ur country and ur language a little more ...

I got wrong by listening to her, she took advantage of my lonely here in XXXX and did something for her and thief commission from the bank!

2. I talked with XXXX  by applying for dispute, after about 2 or 4 weeks I got declined I don't know how to remove it so I talk now with CFBP and hope so see a positive answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this titleXXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.
Product: Credit card

On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.
Product: Credit reporting or other personal consumer reports

Experian has continued to report inaccurate information on my credit report even after I have sent in proof that information was incorrect. I have disputed the last payment date and current balance from XXXX XXXX!! I called them and got updated info as well as went online and got information which does not match what is showing on my credit report!!!!! That is a violation of the Fair Credit Reporting Act, they have failed to properly investigate and review the information that I have sent them on multiple occasions!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit report was ran 3 times by Chase bank 3 months in a row. 
I did not apply for a line of credit for any of the 3 credit inquiries. The three dates include ( XX/XX/17, XX/XX/17, XX/XX/17 ) I called on Monday XX/XX/XXXX where the representative for Chase said there was nothing they could do and I should contact the Credit bureau since they werent approved for the line of credit.