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

HELLO, i have been dealing with identity theft OFF and On. I'm not sure who has gotten access to my personal information. I just recently found about this account after applying for a home and was denied, Once i found about this i reached out to all 3 credit reporting agencies- which i must say was a horrible experience alot of the representaives i spoke with really didnt " speak XXXX to well and i had to get transfer OVER and OVER. hang up and callback, i spent alot of time trying to get this handle. i have to take off work to file a police report, spend money on a lawyer. I have never had a ccount with XXXX XXXX XXXX. i have been doing alot of research and learning the law and have came across a few laws thats has been violated with the credit reporting agencies- EXPERIAN, XXXX AND XXXX. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX DELETE FROM MY CREDIT LAWS THAT HAVE BEEN VIOLATED LAW 1-15 U.S. Code 1681n - Civil liability for willful noncompliance LAW 2-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT LAW 3- FCRA SECTION 605B LAW 4-Block of information resulting from identity theft, U.S. Code 15 ( 2010 ), 1681c-LAW 515 USC 1681s 2 ( A ) ( 1 ) states , A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Block of information resulting from identity theft, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Product: Checking or savings account

I told Navy Federal that my card was lost and stolen and because there was fake checks deposited into my account. so we closed that account and opened a new account. So my check of XXXX was in the new account and they transferred it to the old account. Now they're saying that I'm the one that transferred it to the old account and since whoever got had my card when they deposit the checks they would draw {$220.00} and they said that it was me because they were still able to use the account after I closed i. And ever since I made a complaint against them they've been putting me on hold for a multiple times for multiple minutes and and they just called me too much pain and grief.
Product: Checking or savings account

Somehow my bank lost my direct deposit from work. As a result I was charged for something I should have had the money to pay for and they overdrafted me. When I explained the issue, sent them the information from my employer confirming the transaction on their end, they said they could not fix overdraft fees. On top of that, I deposited a check, because otherwise I'd have negative money in my bank account. And due to my account having been overdrawn recently, which half of the check paid for, they are holding the other half of the check until XX/XX/XXXX and insisted they could not send it sooner. They also say they have no idea what happened to my paycheck and it could take a few weeks to resolve.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Bank account or service

This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES 78 % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that 78 % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received alerts that there is unauthorized activity taking place on my credit profile that I am unaware of. 

The following inquiers accounts are. Reporting to my report on XXXX : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached ) XXXX on XX/XX/XXXX On XXXX inquire for : XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached XXXX Discover bank on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint with EXPERIAN. I sent them a letter dated XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 

XXXX : Company 's Response In your complaint, you request that information, including a bankruptcy, be removed from your XXXX Credit Report. You also claim that XXXX took more than 30 days to conduct a previous dispute investigation. In response to your complaint : Per your previous request, sent by mail dated XX/XX/2023 and XX/XX/2023, XXXX reviewed your request and informed you that all of the information referenced in your letter is not on your XXXX Credit Report. The investigation results were mailed to you in our letter dated XX/XX/2023, which means the investigation was completed on the same day your request was received. While XXXX does not have public records, such as bankruptcies, on our Reports, accounts on your XXXX Credit Report may still include a bankruptcy status. Currently, none of the accounts on your XXXX Credit Report include a bankruptcy status. You reference Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604 ( a ) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction ( Section 604 ( a ) ( 3 ) ( A ) ). All of the other information referenced in your complaint is not on your XXXX Credit Report. The investigation results have been mailed to you separately. Please visit our XXXX XXXX on XXXX for more information regarding your XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX and tried to fill out my XXXX application, but could n't because i do n't know the information about an alleged mortgage, car loan, student loan and credit cards i took out when I was XXXX or XXXX years old- I called the XXXX office and they said I had to take it up with Equifax , which has no working phone number to call. My mom said to fill out the credit report request but I ca n't get it because I have to know where I took out the mortgage and credit cards, etc. I tried to call the equifax customer complaint number but it was out of service. I filled out the form to dispute charges, but since I ca n't get a credit report to have details of the alleged mortgage, etc, I did n't have details of what it is I 'm disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned an auto loan for my significant other. During the outbreak of COVID-19, he then became unemployed and was unable to make his payments. We contacted Credit Acceptance and they agreed to defer payments. Then the car was in a total loss accident and our insurance company paid off a large amount. Believing our XXXX Insurance would cover the rest and the fact that payments were being deferred, we believed that the vehicle would no longer need to have payments. However, payments were reported late on our credit files and a comment stating " affected by natural disaster '' was added. Filing a dispute with the credit bureaus did not solve the issue of late payments being reported during COVID or the fact that we were not made aware of payments still needing to be made after the accident. We did not receive notification until a letter to settle the due balance was mailed. The late payments reflected on our credit files are inaccurate and unfair due to the fact that we contacted Credit Acceptance, they show that they acknowledged our request but did not enforce it and due to the fact that we filed a claim with our insurance company and had XXXX Insurance so we were expecting not to be burdened with paying on a destroyed vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The indicated company, CMRE Financial Services Inc., has refused to acknowledge or send information on a disputed bill for medical services. The company has been contacted three times by mail and once by phone and advised said bill was disputed, and that prove of debt was requested and required. The aforeindicated company has continued to attempt contact by phone, despite the fact the company was advised not to continue said practice. Also, the aforementioned company has sent to the complainant letters threatening dire consequences such as blacklisting with credit reporting agencies if payment is not received. As of this date ( XX/XX/2020 ) no viable proof of debt has yet been received.
Product: Money transfer, virtual currency, or money service

Hi I am writing about having my payment money Transfer request REVERSED and REFUNDED as REMITLY did due to SCAM and false INVESTMENT tactics with proof and account of RECIPIENT and Illegal business practice and FALSE pretense and reported to FTC ... Federal Trade Commission with XXXX XXXX and Website of ALLEGED transaction Overseas and demand immediate REVERSAL and Investigation into XXXX and recipient named in the business TRANSACTION money transfer to XXXX XXXX XXXX and account with records and trnctiona and legal documents including REVERSAL and WARNING from REMITLY SUSPICIOUS Activity that PROVED to PROTECT consumers from such ILLEGAL and possible PHISHING PYRAMID SCHEME to efraud CONSUMER and INVESTORS through failure to Detect and REPORT incidents to the FTC Federal Trade Commission of such Fraudulent Business TRANSACTION and PRACTICES with PROOF of scheme and COMMUNICATIONS APP to Illegally conduct its Fraudulent and INVESTMENT tactics and False and MISLEADING I formation to decieve consumers and investors by clients in other countries or hidden social media undetectable with ACCOUNTABILITY to report and XXXX down such PRACTICES to crackdown and report any SUSPICIOUS Activity with proof and or Business dealings... .attachments, documents, transactions, and RECORDS of such Fraudulent and Decietful of such Buiness transaction and consumer complaints and theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN TRYING TO GET THIS MATTER RESOLVED FOR QUITE SOMETIME WITH XXXX XXXX. MY FIRST ISSUE IS THE DELIQUENCY DATE IS INCORRECT AND THEY HAVE YET TO HAVE IT UPDATED AFTER SEVERAL ATTEMPTS. IT'S SHOWING 2017 WHEN ITS ACTUALLY INCORRECT. ALSO, I'VE REACHED OUT TO XXXX  AND XXXX  IN REGARDS TO IT BEING ON MY REPORT WITH THEM AND WAS INFORMED AFTER 7YRS IT WAS DELETED SO HOW COME IT'S STILL SHOWING ON MY EXPERIAN CREDIT REPORT AND ALREADY DELETED OFF THE OTHER TWO CREDIT BUREAUS. I NEED THIS MATTER RESOLVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with better business bureau I am filing this complaint on my own behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXXXXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed XXXX XXXX XXXX XXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done
Product: Credit reporting

I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report.
Product: Credit reporting or other personal consumer reports

I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Disputing errors on credit report Dear Specialized Loan Servicing LLC : I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX consumer reports : Dispute Account Number or other information to identify account : Source of dispute information : Specialized Loan Servicing LLC ( SLS ) Type of disputed information : Six ( 6 ) alleged late mortgage payments Dates associated with item being disputed : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX Explanation of item being disputed : The status of my account is not correct. The credit reports show that I am delinquent, but I have made all of my payments on time. Please see enclosed : ( a ) my transaction history from my SLS website profile that shows my on-time payments for XXXX XX/XX/XXXX ; ( b ) my recent correspondence to SLS ; and ( c ) proof of my XX/XX/XXXX payment to SLS, which I paid not because I was delinquent but because I was trying to avoid the current, inaccurate credit reporting dilemma facing me now. 

I respectfully request that Specialized Loan Servicing LLC remove and correct the erroneous late payments from my report. 

Thank you for your assistance. 

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

Reference : DISPUTE PER CREDIT CARD CLOSED AND THAT STILL APPEAR IN THE INQUIRIES SECTION FROM XXXX. Reviewing my credit history of XXXX XXXX XXXX, I found that in the INQUIRIES section from XXXX  still appears a credit card from JCPenney and closed in XXXX XXXX XXXX, please see attached evidence in pdf format. Previously, between XXXX and XXXX of XXXX, I contacted several times to customer services of JCPenney in relation to this issue, but they never take action to resolve this matter. . For the reasons stated above, I kindly request to remove from the section INQUIRIES any information reported by JCPenney to the Credit Report Agencies, this is an abuse because hard inquiries will impact my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 : states I have the right the right to privacy .15 US 604 section 2 it also states a consumer reporting agency can not furnish an account without my written authorization.
Product: Checking or savings account

Last month on XX/XX/ my purse was stolen and in it I had my phone several debit cards, identification card social security card, money etc..I made a police report about everything that was taken, but at that time I could not let them know that amount if any was taken for me in my bank account from other account so I had to wait and see I wasnt able to get any type of access to my Wells Fargo account until XX/XX/ and which I came to find out that almost {$4000.00} Ive been taking for me I immediately filed several disputes, changed my username and password, canceled my card and re-ordered a new one and set up voice verification to my account to ensure a better security of my account. it is now XX/XX/ and my disputes all have been closed. and no, my name has been credited to my account. I was never asked to send any paperwork in the police report. Nobody is home just speak to me not even sending email anything to notify me of the decision or why they decided that or anything and Ive been sitting there patiently without having any of my money, Ill be able to pay bills buy groceries and Ive had no communication and Basically I feel like Im being robbed again because I have no money in my account which was taken for me and no communication between the Bank and myself on their behalf to ask for any supporting documents and I need my money Im not just gon na let somebody steal my money, and walk away with it And let it go so I would really appreciate help with this because it is actually causing a hardship on me and I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was notified by XXXX XXXX that i got hit with a hard inquiry from XXXX/XXXX XXXXXXXX i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a XXXX since covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I sent Experian XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the XXXX XXXX  with the balance of around {$3000.00} that I never opened up. Before my attorney and I take Experian and XXXX XXXX  to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this XXXX does not get removed because it was noted on the FTC report you removed everything else except for that one account just XXXX  pay you more money to rent space as a trade line Experian? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves XXXX XXXX now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that Experian likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.