23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have been working with Chase to get a business account, I spoke with some and in the last month more then 2200 has gone though my account, yet when I get a check deposited for XXXX, XXXX of was allocated for the deposit for my business account. They froze my funds, when I call to find out why First I got hung up on, Then I received Sutch horrible service I had to ask for a supervisor. Once I actually got to speak with Someone one about my issues I was told they would have to contact the bank and the Check writer, both of whom told me it was fine, when I called chase back I was informed it was their choice. I asked as to why, they said they can. I reminded them that this check Not clearing was Forcing Me to not only Occur fees! And miss My first payment for this is directly effecting my credit and my ability to feed myself. All of my finances I tied to this account, and they are refusing to release my funds, knowing They are going to hit me with fees I signed to when I opened my account. Im also not able to Pay for equipment for my business that I already order and had to cancel due to funds. Im trying to run a business one Ive had to shut down my business Stop taking payments and refund people. My Smallest package is XXXX $ and the next is XXXX $ and my account is getting frozen over XXXX. 
I have an EIN and XXXX is now back on hold. I have automatic payments Coming out of this account and they are aware I made sure
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD
INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE
THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE
REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF
CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVE
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH
CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE
CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND
BACK TO ME.
I AM NOW ASKING YOU TO DEMAND TO THE CREDIT BUREAUS THAT THEY IMMEDIATELY REMOVE THESE
FRAUDULENT ACCOUNTS, AS THEY ARE HINDERING MY ABILITY TO OBTAIN CREDIT, AS WELL AS RUINING ME
FINACIALLY! - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX on the corner of XXXX and XXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting PNC, learned that it had been fraudulently cashed or deposited by XXXX XXXX  on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. 

I had a case opened by PNC 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against PNC with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that PNC had contacted XXXX XXXX to confirm the fraudulent activity, to which they had heard no response. 

In the 5 months since this update, we have reached back out to PNC at least 5 times to learn that there had still been no response from XXXX XXXX  to their request for confirmation of fraud. I have tried to contact XXXX  's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at XXXX 's fraud department that it is incredibly unusual for a case like this to take this long. 

I have written to the Office of the Comptroller of the Currency to reopen the case against PNC and to file a new complaint against XXXX. I contacted PNC again and learned today ( XX/XX/XXXX ), that they plan to reach out to XXXX  once again. It has now been 1 year since this unfortunate event, and there has been no resolution.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, Experian on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these 3 account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX off of my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to tried over and over for two years to get this off of my credit is a repo now the account is saying closed when it should not of been considered a repo or closed seeing that in XX/XX/XXXX the vehicle was stolen and totaled caught fire the roof had to be cut off and the person who did it was held accountable and thrown into prison I press charges and everything it states on my credit that I didnt make a payment from XXXX I think its a like XX/XX/XXXX which is not true I paid my car payment every month Ive been till XX/XX/XXXX when the car was stolen and totaled I do not believe its fair that this is all my credit is a repo and I have done everything in my power that I can to resolve the issue bottom line is the car was stolen my insurance refused to cover it I am still going back-and-forth with them trying to figure out how I can sue them for not covering a car that I had full coverage on The company is ( XXXX XXXX XXXX ) ( bb & t dealer Financial services ) I have tried to personally contact these people for three years the last letter they sent me back was in XXXX and it was just a paper showing my payment I know where my payment stopped because the car was no longer a car it was totaled Ive done everything in my power to get this off of my credit I am begging you guys to please just take it off
Product: Credit card or prepaid card

On XX/XX/XXXX I made a complaint with the XXXX about XXXX XXXX  - XXXX adding on some sort of insurance to my cc. This was never authorized!! When I called to activate my card with the # on my card a lady with a XXXX XXXXt tild me i could have XXXX insurance added to my account for {$1.00}! And then receive a {$20.00} gift card. So i said yes to the charge of ONLY {$1.00} and that was it. After awhile i couldn't understand why my balance wasn't going down. I normally pay my bill over the phone. So when i was finally able to access my online account i gasped in horror!!! XXXX has been charging me an extra $ XXXX $ XXXXmo for over a year!!!! I never ever authorized this insurance on my account other than the {$1.00} when i first opened my account like the lady with the XXXX XXXX  said. I would never agree to this highway robbery charge!! Then they also charged me extra finance charges of {$47.00} in XX/XX/2018 and XX/XX/2018 which i have no idea why!!! This is fraud!!! They are misleading consumers. And they increased my interest rate!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it
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  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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX this account was closed On Equifax it is still reporting incorrect I sent in the divorce decree to all 3 credit bureaus I sent in the divorce decree to XXXX as well All 3 credit bureaus and XXXX has ALL FAILED to correct the issue! 
How many times do I need to report this until is gets corrected? 
This goes against the FDCA and I should be compensated for this. I have been trying to correct this since XX/XX/year>. 6 months now!
Product: Mortgage

We accidentally paid XX/XX/XXXX mortgage payment to HomePoint Financial twice due to their holding our check past the due date. Although their response to our previous complaint # XXXX   partially addressed this issue & the escrow portion of the overpayment was returned, HomePoint still owes us {$610.00} which is for the ( unearned ) interest portion of the double payment. In their response to our previous complaint they said no bank proof was provided to show double payment. This statement is not true as proof was provided on XX/XX/XXXX & again in attachment B of complaint XXXX. We have also sent numerous emails.
Product: Debt collection

XX/XX/2021 : Dynamic Recovery Solutions XXXX called my employer and harassed me about a debt that I do not have knowledge of. 

I have asked them not to contact me previously, and now they are calling my workplace directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have a complaint against Experian that started to decrease my credit score since XX/XX/XXXX on a weekly basis without any apparent reason. Please see below : XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 15 points. 

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 6 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 3 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 12 points. 

I contacted Experian several times, wrote a letter by mail, and instead of giving me any response, today they decreased my score again. 
During this time frame -from XX/XX/XXXX-XX/XX/XXXX I paid off 4 credit cards. Two banks  increased my credit line -XXXX Credit cards -from {$13000.00} to {$18000.00}, and XXXX XXXX - from {$5000.00} to {$10000.00}. And this all happened within the same time interval. In spite of all this, Experian dragged my score from Good to Fair. 

Please help me deal with this company that decreases my score as much as they want without any solid grounds for that.
Product: Mortgage

1. I received from XXXX XXXX XXXX XXXX ( who is the servicer for XXXX the investor of the loan on my house ) " Trial Period Plan Notice '' for loan modification on my home ( Homestead ) See exhibit " A ''. I made the first two months payments on time to XXXX XXXX. 
2. On XXXX XXXX, XXXX and approval letter from XXXX for the loan modification with set terms sent to XXXX XXXX and copy was sent to me by XXXX XXXX ( see exhibit " B '' ). 
3. On XXXX XXXX, XXXX I received letter from XXXX XXXX stating that " XXXX '' the investor of my home loan has changed the servicer of my loan to " Caliber Home Loans '' and stated in paragraph XXXX other things : " Rest assured, this does not affect any terms or conditions of your mortgage '' ( See exhibit " C '' ), and advised me to continue making the payments to " Caliber Home Loans '', I made my third month of the trial period on time to " Caliber Home Loans '' and expected Caliber Home Loans to complete the loan modification on my house. 
4. Caliber Home Loans changed the terms of the loan modification which was approved by " XXXX '' to Unfavorable Terms. See exhibit " D ''. 
5. The Home Owner rejected Caliber Hom Loans the new terms because of the deviation from the approved and committed terms of XXXX and was assured by XXXX XXXX there will be no change to the terms or condition of my approved loan modification. See exhibit " E '' and urged Caliber Home to stick to the approved terms. 
6. Home owner received letter from Caliber Home Loans dated XXXX XXXX, XXXX that the loan is deliquent of {$59000.00}. See exhibit " F ''. HOME OWNER WOULD LIKE TO CONFIRMS THAT THE SAME MONTHLY PAYMENT CONTINUED TO BE MADE CURENT AS OF TODAY 'S DATE. 
7. The Home Owner filed FRAUD MORTGAGE complaint to the State of Nevada Office of the Attorney General on XXXX XXXX, XXXX. See exhibit " G '' 7. Home Owner forwarded to Caliber Home Loans copy of the filed complaint with Attorney General and urged Caliber Home Loans to honor the committed and approved loan modification terms.See exhibit " H ''. 
8. Home Owner received mail from Caliber Home Loans dated XXXX XXXX, XXXX denying the loan modification. See exhibit " I ''
Product: Mortgage

Unlawful Placed Forced Insurance - We have contacted Mr. Cooper ( Nationstar ) multiple times to trying to clear this up, Insurance on the Home at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX has been consistently been paid in full ever since Mr. Cooper has handled the Loan, we do not or have not had Impound accounts with Mr. Cooper for Taxes or Insurance and has it has always been Paid in Full from XX/XX/XXXX thru XX/XX/XXXX and then was Paid again in Full from XX/XX/XXXX to XX/XX/XXXX. Mr. Cooper keeps telling us that the lapses of Insurance was in XX/XX/XXXX which is not true, The Insurance Company for this home been provided proof ( Insurance Multiple times ) and we kept getting calls that there was no provided proof on Insurance. My son XXXX XXXX on my behalf has spoken to Mr. Cooper Customer Service Every time the Issue came up and was told this would be resolved and the mistake would be taken care of, but the calls keep coming saying that the loan is in default and now their ( Mr. Cooper ) is processing Foreclosure on the Home. They have caused so much emotional distressed for no reason and have been harassing with constant phone calls and letters, I have had my son XXXX XXXX power of Attorney to deal with this issue and has provided proof that they have required. The next step we have is to pursue Legal Action with an Attorney,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for a payday loan from this company as I was unable to caretake or provide for myself at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( 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. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 

In addition, I demand to have a copy of my updated consumer report once the following changes have been made.