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

On my XXXX, Equifax and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about CITI BANK XXXX BEST BUY and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. 2021 Because I did not apply for credit with BANK NA BEST BUY.. 
Please launch an investigation into CITI BANK XXXX BEST BUY inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK XXXX BEST BUY is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and 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

This company was well aware that I was in the hospital with XXXX  when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX  and purse that was retrieved in this illegal repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XXXX XXXX  AND XXXX XXXX, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.
Product: Credit card or prepaid card

I have a closed Walmart credit card i opened in XXXX of XXXX and it was charged off in XXXX.and sold to XXXX XXXX  which i paid. But this account was updated in XX/XX/XXXX which it shouldn't .since it hasn't been active in 6 going on 7 years, The Walmart credit should be deleted off my report.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY EXPERIAN REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ, XXXX Address ID # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX Address ID # XXXX
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts has violated my rights. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them . 


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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information
Product: Credit card or prepaid card

I HAVE BEEN A CLIENT OF CHASE FOR 20 YEARS THIS CARD HAD NO LATE PAYMENTS FOR 20 YEARS AND WAS PAID ON TIME. 

CHASE OFFERED ME TO ADD AUTHORIZED USERS TO THE ACCOUNT. I CALLED THEM AND ASKED HOW MANY USERS I CAN HAVE ON THE ACCOUNT AND THEY SAID IT WAS UNLIMITED. I THEN PROCEEDED TO ADD USERS. MY NEICES AND NEPHEWS IN ORDER TO GIVE THEM THE GIFT OF CREDIT AND ALSO MAKE THE BEST USE OF MY EXCELLENT CREDIT HISTORY. MY CARD IS THEN CUT OF AS I WASNT CONTACTED AT ALL ABOUT THIS. THEN ALL OF THE CARDS WERE TURNED OFF. THERE WAS NO FRAUD, NO UNAUTHORIZED PURCHASES ... NOTHING BUT ME BEING A GREAT CUSTOMER AND THEM TAKING ADVANTAGE OF ME AND TURNING OFF MY ACCOUNT AND CLOSING IT. 

THEY WERE THE ONES THAT ALWAYS SAID CAN WE ADD ANY AUTHORIZED USERS AND WHEN I DO ITS CLOSED. THIS IS WRONG FOR A XXXX YEAR OLD GRANDMOTHER TO LIVE HER LIFE RIGHT AND TAKE CARE OF FINANCES AND THEN THIS HAPPENS I WAS TAKEN ADVANTAGE OF BY A CARD COMPANY I WAS FAITHFUL TO.
Product: Mortgage

To whom it may concern, I have sent you a complaint three times. I have asked for answers to my question I still have not received these answers from chase. When someone applys money incorrect and will not explain to you why or where it is, is n't that fraud.Well i need answered to these question and chase is lying to you by saying they have answered these questions cause they have not 1. I sent copies of receipts showing I paid extra into escrow they have yet to tell Where the money is. I want it refunded or put into escrow.I paid at the bank is why I have copies and proof of what was paid and how much They told me the do n't accept extra money on escrow but the payment stub has a option to do so. 

2.Send a copy of the checks I wrote them There are 31 checks they show on the history that are one amount but in reality there is more money paid they show less. example below : XXXX wrote a check XXXX which was XXXX, XXXX extra to go in escrow They show on their records check amount was 914.93.There are 31 payments like this and none of the extra money was applied to the escrow. Is n't this fraud. 

3.On XXXX I wrote a check to them for XXXX its shows no where that it was applied. Check number number XXXX.Where is the money 4. I show on the history transaction sheet they sent me that there was no money put into escrow in the months of XXXX, XXXX, XXXX and XXXX XXXX. 

5. I show no interested added to my escrow since XXXX/XXXX/XXXX. 

6. When they did reverse they still never entered the correct amount. 

7.On copies they sent me there are many payments not applied to my account.Example below XXXX/XXXX/XXXX and XXXX/XXXX/XXXX both payments show suspense and never applied and in the copy they sent me it shows unapplied to the right.Then they have lots of money listed as curtailment and not applied.and listed as supsence 8. They purchased Washington mutal and my question to them is why do my statements say escrow and principle but no money was ever applied to the principle on the loan have those copies also. 

I feel that something is going on with my payments and the money that I have given them i want some answers please.They Tell you they have sent answers they have not answered all questions. 
They did a mod on my house and it was when my house was under water and they never offered any of the programs out there Amount of the payout. Borrowers who submitted a valid payment claim form through the XXXX received a check for approximately {$1400.00}. Checks first went out between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. ( The initial deadline to make a claim was XXXX XXXX, XXXX. ) Refinancing for Underwater Homeowners XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}
Product: Prepaid card

Rush card was under maintance Monday XXXX XXXX,2015 from XXXX to XXXX, as of today Tuesday XXXX XXXX,2015, I ca n't access my account, my card is being declined, phones to rush are busy and hanging. I have XXXX children at with, expecting another and I need my funds now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report that I did not authorize from SANTANDER CONSUMER USA dated XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I, XXXX XXXX submitted a dispute with Experian where my credit file showed consumer credit transactions with several creditors. I submitted to them that I did not give written permission in accordance with 15 USC 1681b for Experian to furnish these transactions on my consumer report. They responded back to me after 60 days saying that they verified these accounts. These were an approval for a specific extension of credit and these accounts should be excluded from the report in accordance to 15 USC 1681 ( a ) ( 2 ) ( b ). The fact that Experian verified/validated this and yet failed to follow the law has caused me great stress! I will be submitting this to the Attorney General. I want theses items removed from my credit file immediately. I will also be sending an attempt to sue if these things are not removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  Date opened XXXX This account can not have a monthly payment as there is no agreement between collection agency and myself. Please remove this inaccurate information. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I opened an account with Bank of America with a check in the amount of {$5300.00}. The check was a distribution from my Roth IRA written out from XXXX XXXX and drawn against XXXX XXXX. 

On Saturday, XX/XX/XXXX, I could no longer access the account. 

Upon contacting Bank of America on Monday, XX/XX/XXXX, I was informed that the XXXX XXXX had flagged the checked as counterfeit and that Bank of America was taken the action to close the account. At this time, the account had {$2100.00} in it. 

I immediately contacted XXXX XXXX and informed them of the situation. They, in turn, had contacted XXXX XXXX to determine what had happened. XXXX XXXX called me on XX/XX/XXXX to inform me that XXXX XXXX had NOT deemed the check counterfeit. They had cashed the check and provided the funds to Bank of America. 

On Wednesday, XX/XX/XXXX, I called Bank of America to inform them of the information from both XXXX XXXX and XXXX XXXX. Bank of America informed me that they wanted XXXX XXXX to tell XXXX XXXX to request a " return of funds '' from Bank of America to XXXX XXXX for the remaining {$2100.00}. Bank of America was not going to reopen my account and they were waiting for XXXX XXXX to return the " counterfeit check ''. 

On Wednesday, XX/XX/XXXX, I called XXXX XXXX to inform them of Bank of America 's request. XXXX XXXX requested that Bank of America provide them said request in writing so that they could look into what was being asked. I called Bank of America to request the information be faxed to XXXX XXXX in writing. Bank of America refused to do this. 

On Thursday, XX/XX/XXXX, I called Bank of America to figure out what exactly we could do to release the {$2100.00} currently in their possession. They informed me that the Bank of America Fraud Department would open an investigation into the circumstances of my account closing and the remaining money. I was told it would be five business days to complete the investigation. 

On Wednesday, XX/XX/XXXX, I received a letter ( date XX/XX/2022 ) from Bank of America informing me that they decided to close my account. I also received a letter form XXXX that they received negative information about an account I am associated with ( assuming this to be the Bank of America account ). I called Bank of America to inquire about the status of the investigation since it had been almost 3 weeks. I was informed that there had been no status updates on the investigations and that there was no time line to start the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting XXXX  history that is 13 years old with the case closed as well as the XXXX  that I was XXXX  of here dismissed by the State of California due to compliance and completion of intense XXXX XXXX, XXXX XXXX, that I successfully completed dismissing my XXXX  as of XX/XX/XXXX. The records are outdated and past the 7 year law [ Cal. Civil Code 1785.13 ]. This adverse reporting is negatively affecting my employment opportunities. Checkr is also reporting the same information incompletely and it should be removed. 

The case number XXXX FILED XX/XX/XXXX, DISPOSITION XX/XX/XXXX, XXXX COUNTY seems to be a form of XXXX profiling and violates my civil and individual rights and opportunities for gainful employment in which I am qualified for. Please remove 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 confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX ( XX/XX/year> Account # XXXX inmate Account # XXXX XXXX & XXXX XX/XX/year> I looked at my EXPERIAN credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) in general if after and reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified, or deleted from the file of the consumer. And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I'm reaching out to dispute the reappearance of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed after a dispute, so I was surprised to see it show up again without any notice. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ), I should have been notified about this re-insertion, but no communication was provided. Im concerned that this may not align with the FCRAs requirements for ensuring accuracy in credit reporting, as outlined in 15 U.S.C. 1681b. For clarity, Ive attached a partial of my credit report showing the account in question. I kindly request that this account be immediately deleted from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And Experian. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

as was my prior complaint # XXXX I did not authorize any inquiries and these were not removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card

My charge card that I have with kohls I feel like they are taking advantage of these interest rates. My payment is XXXX and they charge me XXXX in interest. So XXXX comes off of my balance. I'm never late with my payments and I give them good business. I feel like they are stealing my money. Are they allowed to take 75 % of your payment for interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on XX/XX/2018. 

I received one hard inquiry when it was no where indicated I would receive one. 

It is from XXXX/walmart. 

National Credit cards/ Airlines .