23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account NCAC/National credit audit corp in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX  is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX   and XXXX  have not supplied any information on this account. XXXX  is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the  collection agency.XXXX has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX  and XXXX  and NCAC for violating the FCRA and my rights as a consumer.
Product: Debt collection

This was removed several times and they put it back on my credit. I dont have a contract with this collection agency and they have been harassing me for months now calling from different numbers.
Product: Debt collection

Two issues, 1. old debt that was written off over 20 years ago.

2. Is a medical loan charging 21 % interest and not paying down Principal with the monthly payments on a larger percentage of the split in how they record the monthly payment.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX account opened in XX/XX/XXXX, the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX and the Chapter XXXX Bankruptcy filed XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to Equifax that this information is inaccurate. Equifax has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.
Product: Mortgage

I was never notified from ruoff my lender that my loan had been sold to XXXX. My payments were returned after I received a letter my mortgage payment was late with a new company I 've never heard of. I 'm furious they also ca n't etc up biweekly payments for another eek or so
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

recieved letter dated the XXXX of XXXX for an old ( 2015 ) debt that needed research from me to find out who it belonged to. letter stated that debt was due by the XXXX of XXXX, funds were taken out of my account without my knowledge or permission on the XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my Equifax credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Equifax credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Equfax mistakes on my credit report
Product: Credit reporting or other personal consumer reports

I filed a dispute on the Equifax website under dispute XXXX for fraudulent inquires from XXXX XXXX XXXX, and XXXXXXXX XXXX, I provided Equifax with my FTC Fraud affidavit, proof of address and my drivers license, Equifax refused to remove the credit inquires off my credit file, These inquires need to be removed, I have attached the documents once again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my XXXX XXXX, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to comply with the fair credit reporting act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681i ( 5 ) and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Experian has refused to conduct proper investigation or correct errors as mandated by law also, after the investigation, Experian added a new charge off status on XX/XX/year> This information is false and must be removed from my credit report immediately! 
My account was NOT charged off in " XX/XX/year> ''! 
This violation is called " RE-aging '' the account which is highly illegal Experian 's actions violate the following FCRA provisions : 15 USC 1681E ( b ) ; Failure to ensure the accuracy of consumer reports 15 USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies 15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information 15 USC 1681c ( c ) : continued reporting of outdated information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX{$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Product: Checking or savings account

I deposited a payroll check for {$1100.00} on XX/XX/XXXX. I deposited it before their deadline of XXXX XXXX, and then, later on, that evening they said my check was subjected to a five business day hold. I asked for more details on the hold and advised them that this is a hardship and unexpected, and they ignored my multiple messages. I reached out to their XXXX account and they sent me a generic message. I would like to know why they decided to arbitrarily hold my check for clearance from my job which is the 5th largest XXXX XXXX   XXXX   in the United States and has revenue in the billions. I understand if it was a personal check. They seemed like they did not care about my concerns. I couldn't buy food, pay bills ( EVEN MY IRS BILL ), or pay for gas for my 2 hour round trip commute. I decided to leave XXXX XXXX  for this bank and I regret this decision. As someone that suffers from a mental illness of XXXX  from a lack of response, I wouldn't even advise opening an account here to my worst enemy. 

There is no reason why Simple had to escalate my case for a simple question, nor it is professional for Simple to ignore my concerns on XXXX. I would like compensation for my suffering and experience. I also think that they are in violation of the Expedited Availability Funds Act of XXXX for not even allowing me to have at {$200.00} of my check. I earned that money with my hard labor, and not Simple, so holding it hostage is unacceptable. I also saw similar complaints from other Simple users on XXXX and XXXX with this issue.
Product: Mortgage

I requested to be put on a Covid forbearance plan in XX/XX/2020 via phone call and the company agreed to under the CARES ACT. Up until that point, I was on automatic payments. Shellpoint stopped the automatic payments as they were putting me on this plan. This was done as I was on the phone with them. There should be a recording of this call. I realized in XX/XX/2020 that Shellpoint never put me on the plan because I checked my credit and the score dropped. I immediately called back and they admitted no wrongdoing and failed to rectify the situation. I got the forbearance plan instated and it has been active from XX/XX/2020. I then tried many times to speak with my point of contact XXXX XXXX XXXX with no success. Also, they sent me a letter saying they determined an error did not occur. They did not provide any proof of this and have not provided me a recording of our conversation from XX/XX/2020 which would prove my setting up the forbearance and Shellpoint not following through.
Product: Credit card or prepaid card

This complaint is against American Express. I used the credit card to purchase Delta Airline ticket for the amount of {$73.00}. One day prior departure, I went Delta online to cancel the ticket. Before CANCELLING the ticket, DELTA WEB SITE DID NOT INDICATED WHETHER OR NOT IT IS REFUNDABLE, so I went ahead and cancelled one day prior departure. I disputed the charge with AMEX for reason of POOR QUALITY OF SERVICE by Delta, and talked to supervisor XXXX on XXXX/XXXX/XXXX approx. XXXX XXXX EDT. AMEX supervisor was not helping consumers, saying that if the merchant ( DELTA ) wants to charge, they can do whatever they can do and AMEX credit card company has no control on it. I was so shocked that AMEX employee with supervisor capacity does not even know " the quality of goods and services '' is protected by the law. He was more than willing to help closing the account than help solving the issue of quality of goods and service.
Product: Checking or savings account

1. I opened a savings and a checking account with a bonus of {$250.00} for the checking and {$50.00} for the savings. I received {$200.00} for the checking. I filed a complaint with the CFPB three months ago and have yet to receive a response. 

2. I tried to close the account by sending myself a bill pay and they never processed the bill pay. Great thing they provided me with ONE check that I wrote to myself to close both accounts. 

3. I tried to close my accounts and because I have .XX/XX/XXXXXX/XX/XXXXthey asked me to donate my monies to them to close my account. Not only did they short me {$50.00} now they want to keep my interest. It will cost me more to drive there to get .XX/XX/XXXXXX/XX/XXXX. I want my savings account closed and a check issued. I called on XXXX to close the checking account. Please confirm that it has been closed. 

4. Please send the correspondence relating to the CFPB complaint on my {$50.00} and closure of my account to my home emailing address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Merchants XXXX XXXX account numbersXXXX, and XXXX. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute 5 years ago on Discover credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have XXXX have it reappear on my credit report .XXXX keeps having Discover reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for Discover to use my name or to put anything on my credit report. I want XXXX to remove Discover off my credit report and block them.
Product: Credit reporting or other personal consumer reports

I called the creditor that is reporting the inaccurate information and was told that there is nothing they can do as they are a third party hired to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax report shows the wrong social security number. I need it updated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX   available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX has placed an account in collections for {$360.00} that I do not owe.
Product: Debt collection

" SOUTHWEST CREDIT SYSTE '' is hurting my credit & ability to progress in my credit journey in buying a home. Out of nowhere, they were added to my credit report. I do not owe them. Or any company affiliated with this company. I want them to be removed. If not want to be compensated.