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

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these  accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX {$2000.00} XXXX XXXX AND XXXX # XXXX {$9300.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$750.00} XXXX XXXX XXXX {$250.00} U S DEPT OF EDXXXX # XXXX {$84.00} U S DEPT OF EDXXXX # XXXX {$1500.00} U S DEPT OF EDXXXX # XXXX {$2500.00} and U.S. DEPARTMENT OF EDUCATION # XXXX {$2400.00} DEPT OF ED/XXXX # XXXX {$2800.00} DEPT OF ED/XXXX # XXXX {$15.00} DEPT OF ED/XXXX # XXXX {$3000.00} DEPT OF ED/XXXX # XXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2100.00} DEPT OF ED/XXXX # XXXX {$800.00} DEPT OF ED/XXXX # XXXX {$560.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Checking or savings account

Citi bank has continued to provide fraudulent rude nasty low class customer service. They have charged me for fees that XXXX XXXX who first opened my account lied to me about the terms, they have purposely locked me out of my account even after I provided the correct information, and recently had some bad english speaking rep get on the phone yelling at me telling me I shouldn't have let my account balance get so low then I would not have fees. They charged me a monthly service fee then charged an overdraft fee for that fee. They lied and claimed they didnt have bank phone records of my calls where agents did not accept my verbal passwords nor the agents who refused me to talk to supervisors or hung up. If Citi wants to continue playing games I have already spoken to an attorney I will file a pro se law suit against them and have the records from my phone subpoenaed to then subpoena the exact calls that were made to Citi since they want to play games.
Product: Money transfer, virtual currency, or money service

Date and Amount : XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$20000.00} XX/XX/XXXX, {$40000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$30000.00} XX/XX/XXXX, {$13000.00} XX/XX/XXXX, {$22000.00} On XX/XX/XXXX I informed XXXXXXXX XXXX XXXX XXXX XXXX that the wire transfers were fraudulent, XXXXXXXX XXXX  requested return of the funds from JP Morgan Chas but Chase said that they were unable to make contact with the customer. 

I believe a smart and vigilant banker would have frozen the account until the questionable situation was rectified.
Product: Mortgage

I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked for.
Product: Mortgage

Annie-Mac Mortgage Company ( XXXX XXXX XXXX XXXX XXXX ) cost us time/money for not closing on time. Have been completely unresponsive and negligent. Signed the CD, scheduled closing date/s and receive emails ( the day of closing ) that paperwork is still in underwriting! Bot to mention 2 days BEFORE closing, XXXX XXXX, emails us asking for a VOE form! This should have been # 1 on the list before approving the loan. My wife and I have BOTH taken unpaid time off work, have paid for insurance and other bills and want to be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

On XXXX, I applied for a Chase XXXX XXXX credit card. My XXXX Report was then pulled by Chase Bank. 

My application was denied, so I called the reconsideration department to discuss why it was denied and if it could be reconsidered. 

They informed me that it could not be reconsidered as I had too many open accounts with Chase or too many recent Chase inquiries for credit. They also informed me that this step was a preliminary screening process, prior to a credit pull. This is false, as the credit pull does exist on my credit report and Chase did not evaluate my credit whatsoever when making this decision to deny my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the account with XXXX XXXX XXXX XXXX, XXXX, and Experian stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask XXXX and Experian to investigate this issue but the consumer reporting agencies have failed to do so. The account is not past due and no writing noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Equifax. Equifax took no effort to remove all fraudulent information. The improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Product: Credit reporting

Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse
Product: Mortgage

This complaint is in response to previous complaint XXXX against Newrez LLC XXXX 

Summary of previous complaint : - Personally 100 % XXXX XXXX  who is tax exempt from principal residence - Taxes were unduly paid to county treasurer - Requested escrow analysis - Requested refund of unduly paid taxes A escrow surplus refund, as a result of the escrow analysis, was remitted to me in the amount of {$470.00} on XX/XX/XXXX. I received the check shortly thereafter and immediately inquired about the taxes due back to me. Today, XX/XX/XXXX I called because I have heard nothing from Newrez LLC about total resolution of this issue ; i.e. surplus and taxes refunded back to me. The agent over the phone had confirmed that the taxes had been placed in escrow as the payment history on Newrez LLC 's account portal ( webpage ) reflected. 

The escrow account is currently overfunded due to this move by Newrez LLC and the agent over the phone said that Newrez LLC will not give my unduly paid tax money back to me. 

I explicitly told Newrez LLC not to make the tax payment and provided them documentation, back in XX/XX/XXXX. Newrez LLC made the payment anyways. Now they are holding my taxes XXXX. Unacceptable!!!
Product: Debt collection

I'm being asked to pay back a long that I never took out or never received money for. It's an identity fraud.
Product: Debt collection

I have disputed this bad debt that has been on my file for several years to XXXX and they failed to correct the issue. This account is not mine and I have no knowledge of this account. 

The account in question is Colony/ XXXX XXXX XXXX {$370.00} ( which shows a bad debt on my XXXX  file account # XXXX I have contacted the merchant and they keep telling me that I just have to file a dispute with the credit bureau and they will remove it which Ive done several times and it still stays on my credit file which makes me believe that XXXX XXXX is disregarding my request to remove this bad credit debt from my file. 

I need your help because what Im doing on my end has not seemed to be in my favor and Im just going in circles Im tired of this and I really need this taken off my file, your help is so very much appreciated. 

Thank you XXXX XXXX XXXX XXXX Please feel free to contact me at my XXXX address above or my phone number at any time thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : Syncb/Amazon Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : Syncb/Banana Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : conserve Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe Cain and Weiner original debtor ( progressive ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Experian continue to report my financial history without my consent. 

XXXX XXXX agreed not to share my information with non affiliates and Experian is not an affiliate of XXXX. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a for profit company that has no affiliation with the government and therefore should not be reporting my financial history. 162.6 Reasonable opportunity to opt out.
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

Experian has failed to conduct a proper investigation of my credit dispute, violating the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation, Experian did not forward my evidence to the data furnisher, accepted unreliable responses, and failed to adequately notify me of the dispute outcome. These failures align with the XXXX lawsuit against Experian, which alleges systemic issues, including the failure to forward consumer-provided evidence, reliance on unverified furnisher responses, and inadequate dispute resolution notifications. Additionally, my experience reflects these same violations, as Experian failed to remove or properly correct the disputed information. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction has violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit bureau report shows inquiries buy XXXX on XX/XX/XXXX and by XXXX XXXX  on XX/XX/XXXX. 

At the time of those inquiries, my XXXX  credit reports were frozen as described by the FCRA. 

XXXX  illegally allowed entities with which I have never done business with to access my reports.
Product: Debt collection

On XX/XX/XXXX I received an automated recording call that said my son, who is XXXX, had a debt collector trying to reach him. It told me to hit a number if I was my son. I thought it was a scam and hung up. On XX/XX/XXXX my son received a letter in the mail from Allied International Credit Corp. The letter says that they are a debt collector and that he owes money and they have been trying to reach him. I XXXX about this company and the company they say they are collecting for and it appears to be a scam and I do not want to call them. The company says that my son owes {$32.00} to XXXX. I would like to have consumer finance reach out to this company to see what is going on here and if I need to file a Scam with someone else.
Product: Mortgage

I was mislead from the loan officer in stating and guaranteeing my loan would be approved.I was told on several occasions via text, email and phone conversations was loan was being approved however the day before closing my loan was denied. This has caused a hardship for my family and I. My loan officer also shared private personal credit information to my ex husband, real estate agent and sellers real estate agent without my consent. I feel my loan officer acted in an unethical and unprofessional manner. The loan officer did numerous, sometimes daily credit checks significantly lowering my credit score as well making in virtually impossible for me to apply elsewhere at this time
Product: Debt collection

Resurgent is a collection company trying to collect XXXX from original creditor XXXX XXXX XXXX XXXX  dated XXXX XXXX, current owner is LVNV Funding LLC The debt was 21 years ago the statutes of limitations have run out. Suddenly Resurgent has decided to harass me for the money. Calling me and sending me collection letters. Please make them stop. They have no right. 
Thank you
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

Account name ; CAINE WEINER Account Number ; XXXX XXXX  ; {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  and  XXXX   XXXX  called experian and order my credit report with out authorization there both wanted f or SSI frau d and running dead people credit
Product: Student loan

I received a letter today ( XX/XX/XXXX ) about a reimbursement due to a consent order the Consumer Financial Protection Bureau issued in XXXX against Discover Bank. 

I contacted Discover Student Loans to get clarification about what the issue was and get some specifics about why the amount reimbursed was that amount. I spoke to several customer service people about the letter, but they would not offer me any additional information after an hour on the phone with them. 

I merely wanted the information about why I was reimbursed, and I could not get that.