23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My wife had a joint account with her previous partner at huntington Bank. However when we got married she closed that account, we got a letter from the bank stating her name is off the account. We opened a new joint account with Huntington bank. Last week Huntington bank deducted {$300.00} from our account when we inquired why the amount was deducting bank mentioned her previous partner overdrafted the other account. We tried explaining the bank representative that we are no longer responsible for that account since we closed that account last year. Representative refused to help and our money is still not back in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as XXXX, Equifax, and XXXX   at this time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " XXXX XXXX '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the XXXX XXXX card has weakened and damaged my credit health since XX/XX/2015. 
Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXX '' credit card but was not used by the bureau's..
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Equifax XXXX XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received the results of any investigations into the items I disputed.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed on Transunion : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : 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. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Vehicle loan or lease

On Tuesday XX/XX/XXXX en route to my office building, I was hit by another vehicle who ran a red light. At the scene, I was transported to the hospital for injuries and my insurance company XXXX immediately began No-Faults claim to my incident. 

XXXX has received a payoff letter from XXXX XXXX and the amount I owe is substantially more than what XXXX is offering. When I called XXXX XXXX, I spoke to a representative who was able to review my loan docs and stated that my application had to be returned because the GAP application was missing. Upon reviewing the document, I can tell it was completed by the dealer and signed by the dealer. The signature does not look authentic. In addition, the name used was " XXXX XXXX '' whereas all other documents concatained by government name XXXX XXXX. 

I am seeking help and retribution to the GAP Insurance that should have been included in my auto loan. This was not my first vehicle i've purchased. I believe the dealership may have done some evasive maneuvering to exclude this from my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my report from XXXX XXXX is FRAUD. I have disputed this with Transunion, sent them the FTC report of Fraud and they refuse to remove this from my file.
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 : XXXXXXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and XXXX Experian & XXXX has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review Experian is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

XXXX also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via XXXX until 10 days later and when I spoke with XXXX regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from XXXX was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at all!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2022. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, EXPERIAN, AND XXXX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX respected the 605b/police report and had all of the fraud removed off my credit report.

XXXX  did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

EXPERIAN  did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both EXPERIAN and XXXX  they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting.

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, EXPERIAN still has NOT removed the 3 accounts in mention and XXXX  still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.
Product: Debt collection

On XX/XX/2019 Portfolio Recovery Assoc Opened a collection Account # XXXX XXXX $ is what I owe Ive never signed a document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 
I dont know who they are and not written consent on my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three bureaus XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus ( Equifax, XXXX  & XXXX  ) to  have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
Product: Credit reporting or other personal consumer reports

Please remove inaccurate information on my credit report. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Correct Address Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX The following personal information is incorrect : Correct Name : XXXX XXXX XXXX Incorrect : XXXX XXXX Please remove this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that is result of identity theft. I did not provided written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting 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 a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

date open is XX/XX/2014 bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed addresses on my credit report that I have never lived at or belong to a family member. 

My current address is XXXX XXXX XXXX. XXXX . XXXX, XXXX, OH XXXX PLEASE REMOVE THESE INCORRECT ADDRESSES : XXXX XXXX, XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN,XXXX XXXX XXXX XXXX MN XXXX NONE XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXNC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX NY,XXXX  XXXX XXXX XXXX # XXXX XXXX NY XXXX MY CORRECT NAME IS XXXX XXXX - PLEASE REMOVE THESE NAME VARIATIONS : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX , XXXX, XXXX , XXXX, XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

Ive just recently started paying attention to my credit score as a young adult and there were accounts that were open during the pandemic that I have no knowledge of i have had to go through so much someone even put fraudulent unemployment in my name also around the same time that I had to get straightened out this is really inconveniencing me I have constantly tried to dispute the unknown accounts and they havent been leaving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.
Product: Payday loan, title loan, or personal loan

Rude staff who talk to you like your 5 years old when returning phone calls. Wont help with website issues when website tells you to call your local office.
Product: Debt collection

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Received a ( phishing? ) text from XXXX with : ( ARVEST ) We are having problems with your current security measures. Visit https : //arvestbkx.dyndns.org/ to verify. Four hours later I receive another text from XXXX with : Phone number ending XXXX has been added to your online account. If this was not you visit XXXX XXXX XXXXXXXX NOW. 

I have not clicked the links in either text because I do not have an ARVEST account. I never even heard of the company.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX & XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Freedom Mortgage company is my lender for my home. They reached out to me in XXXX XXXXto offer a refinancing proposal. I accepted the option for a lower rate. I disclosed that I had a bankruptcy. They got back to me and shared that I was eligible for the refinancing. 
I contacted my bankruptcy attorney and got approval from the court on the refinancing and provided the documents to Freedom Mortgage. They called me on several occasions with statements that it was in process over the last XXXX months. They then stated that if it goes to end of XXXX I will be charged a fee. I am very concerned that this company does not have the appropriate staff providing accurate information. I dont know who to officially turn to. 
Account loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Mortgage

My mortgage servicer ( Selene Finance ) has placed numerous fees on my account which continuously keep me behind on my payments. The fines are unnecessary and phone representatives are unable to explain them. One fine in particular is a property inspection fee which is unnecessary and is charged to my account each month. 

Another issue that I have with Selene is the fact that the company breached my privacy by divulging my personal information without my consent. Selene sent a representative to my home when I was not home and a family friend who was at my house was asked : " when do you expect the loan to be brought current ''. 

Also, my mortgage changed servicers several times. The first time it changed I was in the midst of a mortgage modification with XXXX. During the process XXXX lost my paperwork, denied my request, and committed numerous RESPA and TILA violations. I made some payments during this time however XXXX was unable to show where the payments where applied to my principal. Ultimately my mortgage was transferred to 2 other servicers then to Selene who eventually finalized the modification. The modification placed almost 10 years worth of mortgage payments on the end of my loan which placed me underwater with my home. 

I would like for a consumer finance representative to assist me with this case.