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

XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN, XXXX AND XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX XXXX under the account number XXXX and another personal credit card opened as XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX # XXXX No Category XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I can not open a checking account or savings account due to my consumer report because I had a Bank of America account closed Due to a bad check In XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX delaware  Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willing reporting fraudulent information on my credit report. They have responded that they are working on the issue but that is not true. They have put me through the same dispute process I have already completed. They only ask the creditor to verify the accounts which are fraudulent to which the creditors have removed them from my XXXX  and Equifax report because they were fraudulent. I presented this information to the FTC and not Equifax is marked as being non-cooperative and has been flagged for further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent them a refuse to pay cease and desist letter by certified mail and they keep violating the law by sending me letters under FDCRA Its illegal for them to contact me.
Product: Mortgage

I share a Bank of America mortgage with my father. I pay him every month to put into our joint checking to pay the mortgage. We both got XXXX  end of XXXX into XX/XX/2022. His health has been declining and recently discovered hes been having issues with numbers and his tele-banking completely repeating account numbers transferring same money in same account. After getting sick with XXXX  he missed the XX/XX/2022 mortgage payment despite me paying him. I received no call, no email, nothing despite being on the mortgage as well that we were behind and didnt discover it until my dad received our XXXX statement charging for the missed payment and no way for me to rectify before reporting it to credit agencies. My dad was very confused because he thought he had been a month ahead. Researching through our statements all the way back on XX/XX/2022 in our joint account he was trying to transfer money and ended up transferring the mortgage amount into the same joint account and thought he called the payment in to boa but was actually his boa credit card he called in. This is when I fully realized he is having issues with all the telephone banking. We are now going through bills together to make sure nothing is missed. I called boa explaining the hardships also explained we had XXXX  and all the reps refuse to remove the late payment or offer any method to rectify this. I believe they can work something out and refuse to do so. Not to mention they didnt contact me at all about the account being late and completely ignoring covid was involved as well and they could have used something with the cares act to help us or some other option.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

I called Transunion as well as XXXX to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in jail at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.
Product: Debt collection

The information on my file is wholly inaccurate as you can see from proof I provided. 
As of XX/XX/XXXX prior to COVID-19 shutdown I cancelled my services due to moving. I received a final bill from XXXX/XXXX  with a statement ending date of XX/XX/XXXX. I have not used or resubscribed to XXXX XX/XX/XXXX. 

I received a REFUND in amount of {$91.00} in XX/XX/XXXX once everything was resolved. 

I gave XXXX  my proof -final billing statement - and they refuse to remove from my account. I do not believe they looked at my proof. " investigation '' closed after 7 days. 

As of this date XX/XX/XXXX Sunrise Credit Services continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof provided. 

I do not have any agreements or terms with Sunrise Credit Services and have never heard of them prior to having an inaccurate collections placed on my report. 

I thank you once again for your time and I look forward to having Sunrise Credit Services deleted from my credit file due to inaccuracies and XXXX/XXXX  not maintaining accurate accounts during COVID-19 for customers who cancelled services. 

Thank you in advance for your time in this matter.
Product: Credit reporting or other personal consumer reports

Hello, My best buy store credit card put a 30 day delinquent notice on my credit report, of all the loans and credit cards I have for the last 16 years, this is the only late/negative mark on my credit report. 

My XXXX XXXX account was hacked, causing me to have {$10000.00} stolen from my account. It was soon recovered but my account was closed and a new one created. However, my best buy card was on auto pay on the original account, I had switched ALL my other accounts, but somehow missed the best buy store card. I travel, and did not get the letter stating payment was not made and i was in delinquency... I had to spend alot of time and effort to switch bank accounts and update my security on all acounts, I would greatly appreciate it if I could have this negative mark removed from my otherwise perfect credit history, and help me forget about my hacked account incident. Thank you
Product: Credit reporting or other personal consumer reports

Facing Identity Theft, I am trying to Freeze Experian So not vulnerable to hackers. 
Already contacted/Freeze with XXXX XXXX and XXXX. 
Not ExperianXXXXNo person to answer phone XXXXForces you to set up account XXXX. Does not recognize new account XXXX. Insists on sending Web info on how to Freeze but if you can not " get in '' you can not complete! 
XXXX. Requirement is to enter phone #, then an Authorization Code XXXX is sent by text and required to continue for Freeze If phone number is not " recognized '', No Authorization Code is sent, therefore I can not Freeze my credit! 
Fraud artists are creating new Credit cards, taking loans, breaking into existing accounts while I wait for Experian I can say nothing good about EXPERIAN " XXXX '' customer service or ability to play their game! XXXX hours this morning, XXXX hours yesterday. When I need the time to evaluate what has been hacked and repair immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted experian about credit score not being updated for months, Ive been making payments on all account on time, and no recent negative posting from XXXX but my score doesnt change positively at all. Also submitted several dispute to remove negative information and statements on the report and keep showing same information. I have credit history for over 9 years but experian keep showing and saying on my report that I have a short credit history.
Product: Mortgage

Sls is my mortgage servicer and they are incompetent. I received  XXXX  from the state of New Jersey to save my home and once sls applied the funds my mortgage increased  XXXX  dollars. They paid past due payments and paid down the principle but left my escrow short  XXXX  short causing the increase of my payment. I asked if they could readjust the monies but they told me no. When asked why they did n't do an escrow analysis before applying the money they stated I did n't ask. They were suppose to run the analysis to see where I stood but never did. I received my first bill and they showed the breakdown of the  XXXX  and there is an amount of  XXXX  that they can not explain when I asked about it.. yet another ticket to be opened!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries and incorrect information on my credit record. This information does not belong to me.
Product: Mortgage

I applied for a refinance with Rocket Mortgage. I was quoted a 5.375 over the phone. When I received my disclosure it was clear he had bought down points without me asking and he was trying to be competitive and rolled those into my loan. He ran my credit therefore making an inquiry. 

When I spoke to XXXX XXXX XXXX XXXX he was very dismissive. He noted he had been doing this for 15 years and it was perfectly legal to do so. 

his quota isnt my problem and it clear they are putting themselves before the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new hard inquiry was made on my Transunion account for a XXXX card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX CARD opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid XXXX off on a XXXX interest credit card in order to use it for a XXXX dollar purchase so id be protected in case of a issue in the delivery or any other issue that came to light, i had to call citi bank and did a 3 way call with my bank to verify the funds were removed from my bank in order to use the card for the purchase i was about to make. the citi person said i could use the card that day and it wouldnt go through, i called them again the next day and they said they cleared it again and it would go through the next day and it didnt, and now its monday the XXXX and it didnt go through again and i called and they said they lowered my credit down to XXXX dollars from XXXX dollars and wont tell me why, I dont have any missed payments from any one and certainly dont have any bad credit at all, i used what was in my business account in order to pay them and then they found a way to get rid of my 0 % interest card, They were liers on the phone and this hurt me finanically because i had to borrow the money some where else with an interest charge now. idont like how they did their business in what they did to my credit, i didnt allow them to review my credit report either,
Product: Credit reporting or other personal consumer reports

n 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. 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. The following inquiries on my report needs to be removed. 

* 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention EXPERIAN THERE are inquires on my report that I have not authorized. please remove immediately for you all have violated my rights by not investigating thoroughly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting Past Due : Experian reports Payment Status : Collection/Chargeoff {$980.00} Last Reported : XX/XX/XXXX XXXX reports {$980.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX 2nd Account Experian Reports {$970.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX XXXX reports Past Due XXXX {$970.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX I have requested that they provide me with a 1099c since they charged this debt off. Ive also asked them to remove this of my report due to inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX th XXXX  I dialed a XXXX number found on XXXX to try to get a hold of XXXX XXXX XXXX I was having trouble becoming the Administrator. The number I called indicated I had to buy these gift cards and on the back of the card, they would use the number and bypass the settings to get to be the Administrator. I believed them. Therefore, I bought a {$500.00} XXXX gift card and a {$70.00} XXXX XXXX per their instructions. At the same time, I was trying to reach my son to help me figure it out. That's when I realized, the people I had thought were helping me had taken the value of the gift cards and used them. I called Chase cards to tell them about the encounter and to get help but all they told me was bc I had bought the gift cards they couldn't help and I was responsible for the amount. Please help!!
Product: Checking or savings account

XX/XX/2016 {$340.00} was charged on my card unauthorized. {$64.00} overdraft
Product: Money transfer, virtual currency, or money service

I reported a scammed XXXX transfer with Bank of America. There are two transfers, one of the amount {$3500.00} on XX/XX/XXXX, and another of the amount {$400.00} on XX/XX/XXXX. It was a fraud/scam because this was the money for a landscaping contract but the person never had the service done last year because she claimed she was caught by COVID and could not start the work right after the transfer. Then she told me that she would resume the work this year in XXXX spring, but then she never replied my message or call this year whenever I tried to ask when she was going to resume the work. Then I reported this Fraud/scam to Bank of America XXXX and requested for refund of the scammed transfer. However, Bank of America refused to do that and claimed that there is some protocol with XXXX they have to follow. Therefore, I am submitting this claim hoping that CFPB could help facilitate me to get the refund from Bank of America.