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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit score dropped 28 points without any negative entries on my current credit report. No increase in debt. No cards paid off. No delinquent payments. Made a one-time payment of {$500.00} on a credit card. 

Both XXXX and XXXX credit scores went up. 

Spoke with customer service at Equifax, they flat out said they don't know why my report went down, " This is strange .... '' to quote the representative. I was not given any suggestions or solutions. I was told to contact CFPB and FTC.
Product: Mortgage

I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXXXXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Allied put a collection from XXXX that I didnt owe allied or XXXX never called or sent me anything that said I owed I canceled XXXX in XX/XX/XXXX I called XXXX they said they made a mistake will contact allied they sent allied something saying it was paid but allied wont remove the mistake from my report it say it will remain until XX/XX/2020 unexceptionable I did nothing wrong allied never sent anything to my home or called me they said the did but that is a bold face lie!! They are scammers and liars and uses senior citizens like me Im going to get a lawyer if I have to but that has to come off my report allied collection service XXXX XXXX NV
Product: Checking or savings account

I XXXX money to wrong person, called the bank to stop the transaction and get my money back, they refused stating that it can not be retracted and therefore, cant help me.
Product: Checking or savings account

I opened a supposedly personal/ separate checking account at Chase during my divorce. 
On XX/XX/2021, I noticed an unauthorized transfer of {$3200.00} from my account to my ex-wife 's account at Chase. 
I spoke with Chase and had the transaction reversed, and I reiterated that my Chase account was not supposed to be accessible to my ex-wife. ( Chase had improperly set up the account to be accessible to my ex-wife ) Chase said they changed the PIN so that she would no longer have access.

The {$3200.00} transfer occurred again.

Speaking with Chase, they apologized and stated that they changed the wrong PIN and that they would cancel the debit card.

For 36 hours the {$3200.00} transfer was in a " pending '' state, during which time I requested that funds be returned.

Chase did not following these instructions, allowing my ex-wife to keep the {$3200.00}.

I filed a claim and escalated this error to the Chase " Executive Office '' to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses, accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for XXXX XXXX ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.
Product: Vehicle loan or lease

The company is taking 3/4 of of my payments every month and paying of the interest first
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, I saw some late payments on XX/XX/XXXX and XX/XX/XXXX there were suppose to be on time. Me and the creditor talked about " I wouldn't marked late because I had things going on because of the pandemic. I sent a letter to Transunion, XXXX, and XXXX to get this fix but they still said everything is reporting correctly. But it's not being reported correctly, and is a violation of FCRA 15 U.S. Code 1681 ( a ) ( 1 ). Can you help with this important matter. Thank you in advance!!!
Product: Mortgage

My loan is paid in full. The debt is cancelled with the lender & indentured trustee XXXX 2024. Mr Cooper ( the servicer, not the lender ) has continued to harass me, threatening foreclosure and sending debt collectors.
Product: Checking or savings account

My bank account has been placed on old for alleged fraud. 
I tried to pay for my phone bill on the XX/XX/XXXX and my card was not going through. My initial thought was because I was low on money and I could not check my account balance through the citi bank app. Therefore, I called and asked why I could not access my information or why my card was not working ; and I was told, that my account was placed on hold for a fraudulent check that I deposited back in XX/XX/2019. 
Recently, someone re-deposited that same check though XXXX XXXX. I only bank with citi bank and have the documents necessary to prove this.
Product: Debt collection

Someone opened a Capital One Card and a XXXX XXXX XXXX in my name. Ive been trying to get it off my account since.
Product: Debt collection

portfolio recovery associates keeps calling me in regards to a fraudulant account. I sent them a certified letter stating that this account does not belong to me and that I have no account or contract with them. they threatening to take monies out of my bank account. they went into my credit file and got my banking account number and threatening me that they would deduct monies from my account. this is surely against the FCRA laws. I sent the credit bureaus certified letters as well, telling them these fraudulant accounts do not belong to me and they said that these accounts were verified and i ask them to send me proof and they did not send me anything. they are going by some collection company who purchase these fraudulant accounts from the credit bureaus.
Product: Debt collection

I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to XXXX XXXX XXXX, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted XXXX  XXXX which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.
Product: Bank account or service

I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?
Product: Payday loan, title loan, or personal loan

A finance account with Dividend Solar Finance was open by my ex-wife using my personal identity information. The account was established on XX/XX/2023 for XXXX. I was not present nor did I authorize any business dealings with this company. I discovered this account when it was reported on my credit report for missing payments. I contacted the company and learned that the account was set up in person by an representative from XXXX XXXX XXXX. XXXX XXXX XXXX is the company that performed the bathroom remodeling that was financed by Dividend Solar Finance. I have never met or had any knowledge of any of these companies until my credit report alerted me. I have a copy of the financial contract that has my name signed on it however it is not my signature. The representative from XXXX XXXX XXXX should be able to answer the question of what form of identity was used by the person they got to sign for this loan. I was on official government travel in XXXX GA on XX/XX/2023 and was not in the state of North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's Equifax and XXXX  but this specific complaint is directed towards Equifax. 
I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Equifax but they were not able to see anything even when i tried to check my Equifax credit score on XXXX and XXXX i was able to see the credit scores from other 2 bureaus ( XXXX  and XXXX ) but not on Equifax so i tried to reach out to Equifax customer support almost 50 times from the past 10 days and there was no clear response from their side and looks like they don't even care about people, their customer support never gave me the answer that i wanted so i'm unable to get any auto loans approved as most of the banks/ credit bureau 's pull their reports from Equifax. 
So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible. 
I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well. 

Will be waiting for your Response. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX XXXX, Experian XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
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 XXXX XXXX XXXX. 

ACCOUNT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

XXXX5 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by a consumer.
Product: Checking or savings account

I have funds being held by U.S Bank totaling up to XXXX $ I have not received this payment back yet its going on 3 years now the bank is still holding my funds. I have been to numerous bank locations provided information to support that these are my funds due to them asking me to provide a tax return from a previous year which has no relation to my funds being held, XXXX the branch manager on XXXX XXXX XXXX in XXXX Ohio has ignored all of my emails after refunding me only a small portion of these funds after suspecting fraud that never occurred, I was told the funds would be back to my lender which my lender has confirmed that never occurred me and my lawyer are currently in the process of filing class action lawsuit in regards to this. Due to this this has caused damage to my business during XXXX  which cost decrease in my small business revenue this occurred XXXX  I have been getting the run around since, I am always told to call a number when going to the branch but the number tells me to go to the branch. 
First I was told they were waiting on a XXXX XXXX Report basically a background check that rental properties use before approving someone for a rental property which is no relation to U.S Bank, to verify my loan from my lender I had already provided documentation supporting this loan when I arrived in person I was asked to provide my tax return which was not disclosed in the email during communication with branch manager. Branch manager only released XXXX $ from my XXXX closing balance which in a written statement from U.S Bank prior to receiving these funds they stated it would be issued back to sender which that never occurred because it was issued to me that day but why wasnt the whole amount released back when I provided every documentation that was asked? 
Below I have attached emails of the communication with the branch manager assisting me with this matter as well as the documentation that supported the authenticity of my government funds. My Attorney has contacted MN Attorney general we have given authorization for attorney general to start their investigation in regards to this. This whole process starting from XX/XX/2021 has caused me emotional stress and damages to my small business I also feel like this issue was related to discrimination with a whole XXXX report being pulled in relation to my name I even pulled a copy of my XXXX report after reading through it it never showed anything related to the government funding only my personal information
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA.

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.
Product: Vehicle loan or lease

I do not or should not have an account with Fifth Third Bank, as I never signed or consented to a contract with any individual or representative from Fifth Third Bank. On or about XX/XX/year>, a notice to cease and desist all forms of communication and validation of debt was sent to XXXX XXXX at Fifth Third Bank. I received correspondence from certified mail that he/they received documents. However, he/they failed to respond to written notice, in which I also have a certificate of non response as proof. I also disputed this account with credit reporting agencies, requesting proof of who they could have spoken with in order to validate this debt for my own record and I never got a name or representative 's contact. Instead, I received a generic response and no correspondence with my written request. I am demanding that the charged off account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.