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

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

Creditor Information SYNCB/NETWRK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Last payment : XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$2400.00} Worst Payment Status 60-89 Days Late Account Details Account status : Derogatory Type : Charge Account Closed : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXXXXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

These inquiries were not authorized. Unless I have provided written consent for you to gather information and report this account on my credit report, please delete it. I hope this message finds you well. However, I must express my disappointment and concern upon receiving my credit report today, revealing alleged hard inquiries. I want to firmly state that I have not provided authorization for such inquiries. As a result, I am compelled to request immediate access to documentation verifying the credit application, accompanied by a valid wet signature to confirm my association with the mentioned companies. Failing to provide the necessary documentation will leave me with no option but to demand the swift removal of the alleged inquiries from my credit report. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!
Product: Student loan

I was attending college to become a XXXX when I found out I XXXX. I was out on XXXX by my doctor due to being sick and XXXX. I told my program director about my issue and we decided that taking the rest of the quarter off would be for the best. A few weeks later I received a letter in the mail from the school stating that I was being terminated from the program due to my " lack of attendance '' and that I could not return back until my loan was paid in full. I had since been informed that there was no documentation about my request for the time off and that, since there was no proof, there was nothing they could do. I 've been applying for income based repayments and deferments that put me at {$0.00} payments but interest is still accruing. I now have XXXX children and I 'm trying to resolve this issue. I 've tried everything I can think of. Interest is still building and at this rate I fear I 'll never be able to get ahead. i just want this as resolved as I can possibly make it.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
A

ccording to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. Furthermore, 15 U.S. Code 1681s-2 emphas
izes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2020, XXXX was on my bankruptcy and my contract was null and void, this debt was discharged in XX/XX/2020. Experian shows a collection in XX/XX/2020 from XXXX, I filed a dispute with Experian and the dispute indicated the debt was valid. I tried to file another dispute and the website will not let me file another. I contacted Experian via email and all I'm told is to file a dispute on line. This is turning into a vicious circle, the debt was illegal, XXXX may not attempt to collect when and after a bankruptcy they are on, Experian knows this and refuses to correct the problem. This is my consumer information about me and should reflect true and accurate information.
Product: Checking or savings account

On XX/XX/22 - I received a check from my car dealership to pay for car tags. They made the check out to me, my spouse, and the Oklahoma XXXX XXXX. 

I spoke with agent XXXX by phone on XX/XX/22, and she confirmed that as long as I take it to the local branch ( that she called to confirm ), I would not have any issues with cashing it. 

I go by THAT local branch on XX/XX/22, and they advise me I could not deposit it because it was made out to all XXXX parties. 

They are providing false information, and misleading their customers. 

I only have a checking account with them, so I doubt anything will happen, but I wanted to make sure there is a record of this conduct. 

I am NOT expecting any type of resolution, because, well the big banks always win.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account for less than balance due but is considered paid in full. Their policy is to delete from credit report after payment of in full or settled for less than balance, however this account is still on my credit and has not been removed.
Product: Money transfer, virtual currency, or money service

XXXX SOLD XXXX XXXX TO XXXX XXXX AND ARE BOTH FAILING TO FURNISH ALL WIRE TRANSFERS TO XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX XXXX is reporting the account as a XX/XX/XXXXXX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XXXX 2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, XXXX ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with Experian to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.
Product: Credit card

On XX/XX/2023 I was enrolled into the short - term payment plan with US Bank. This payment plan was scheduled for XXXX months and authorized direct draft payments of {$82.00} from my bank account. The first direct draft payment was auto drafted on XX/XX/XXXX. On XX/XX/XXXX I decided to pay off the entire balance in full. Nothing on the enrollment confirmation mailed to me states that derogatory information would be reported to my credit report during enrollment in the short term payment plan. However, US Bank has reported to the major credit bureaus that I was late in XXXX and XXXX of this year. This is inaccurate and illegal because the short term payment plan does not state anywhere that derogatory information will be reported to the credit bureaus while payments are being made. This activity does not align with the FCRA. The account was not delinquent XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. and accoriding to the fiar credit reporting act Whenever a consumer reporting agency prepares a consumer report act follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX # XXXX open date is not reporting correctly, date of last active, date of last payment is not correct, the account is not accuate. 

XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX & XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate. 

Here is thi tracking # XXXX and XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against JEFFERSON CAPITAL
Product: Debt collection

On XX/XX/2019 I was notified by XXXX XXXX that a new collection was added to my account by Midwest Recovery Service for an debt to XXXX XXXX XXXX for {$72.00}. This is not mine and I am trying to repair my credit to buy a home. Ive disputed with no removal. I want this false debt removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF EDXXXX ACCt # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retired Spouse wrong not married XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX5USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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: Debt collection

On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking and savings account with Chase bank. I received an email offer stating that if you open a checking account and set up direct deposit, as well as a savings account and deposit {$15000.00} in *new money, you can receive up to a {$600.00} bonus. After reading the terms of the bonus, I opened both a checking and savings account online. On XX/XX/XXXX I used mobile check deposit to deposit a cashiers check in the amount of {$7500.00} into my Chase bank savings account. Due to my account being new and the check being large there was a hold placed on the check. I received an email notice stating that the funds would be held until XX/XX/XXXX and made available to me on the XXXX. I then received a letter in the mail dated XX/XX/XXXX, saying that my accounts were restricted and would possibly be closed due to possible suspicious activity. I called the customer service on XX/XX/XXXX to speak to a representative regarding the issue. I was told my account was restricted and they would submit a request to have the account unrestricted. While on the phone, the representative also called the bank the cashiers check was written on to verify the funds. The bank verified that the funds were released on XX/XX/XXXX. I was told that my account would be unrestricted and would have access to my funds. On XX/XX/XXXX, I had a direct deposit from my employer of {$100.00} deposited into the checking account and {$100.00} direct deposited into my savings account. I called back on the XXXX of XXXX to speak to a representative who told me that my accounts were still restricted and that even though the funds were verified on the XXXX they would not release my funds and were in a restricted Chase bank account and that I would not have access to them. I spoke to a manger and was told on the XXXX that she was going to unrestrict my account and I would have access to my funds on the XXXX of XXXX. When logging into my account online on the XXXX, I noticed my checking account had been closed, and my savings account was overdrawn {$100.00} due to bank error. I called and spoke to a representative on XX/XX/XXXX who would not help me and then spoke to a manager who told me that he would have to request my account be reopened and then request for the {$7600.00} back from my savings account. I was told this would take up to XXXX business days and he would give me a call back Monday to update me on the status of this. I did not receive a call Monday and my accounts were not opened Monday. On Tuesday, the XXXX my accounts were reopened, however my savings account was at a XXXX balance. I called a representative and they said the original request for the {$7600.00} was never placed and that he would submit the request and that it would take XXXX minutes and I would see my funds. I called back XXXX hours and spoke to another representative and a manager would then told me that was incorrect and that it could take up to XXXX business days. Chase bank has had countless bank errors and representatives who have not followed regulations and withheld my funds with no solution in sight.