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

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Product: Credit card

I purchased items on a 24-year free interest promotion from Ikea and charged it to my Comenity Bank/Ikea Projekt card.. Then I purchased more items, but depending on the total new purchase amount, you either qualify for 24 months, 12 months or 6 months free interest. Now, as I am paying down my credit card bills, I always pay more than the minimum and I expected the extra payment to be allocated towards the balance that expires in 6 months - but that is not happening. I called customer service- and guess what- I was told that they used to be able to allocate, but nw they have been TOLD that they can not allocate and the system does it automatically. Well, the system, is not allocating it correctly. I had a minimum payment of {$500.00}, I paid {$700.00} - expecting the extra {$190.00} to be applied toward the 6-month promotional balance, but only {$33.00} was applied towards the 6-month balance- at this rate, I will never pay off the balance in 6 months, which allows them to charge me the standard APR of 21.99 %- which is clearly consumer fraud!!!! I have always paid off my balances well ahead of time to avoid the crazy interest rates that companies charge when the promotion expires!! This is the solution customer service had- which sounds asinine to me - apparently, when there is 60 days left in the promotion period, the system starts applying all extra payments to the promotion expiring in 60 days - so she advised me to put the extra money aside in a different savings account and pay off the balance 60 days before expiration - this is nuts!!
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX phone number XXXX deposited {$200.00} in my account from from Michigan might I add because i live in XXXX, Indiana she said she deposited XXXX in my account and I thought it was from XXXX because I get money deposited in my account from my XXXX I thought it was from there so I thought nothing about it so on XXXX XXXX at XXXX XXXX pm someone called me from the bank telling me I have to put the money back in my account r it will be overdrafted XXXX because I spent it and I did because I thought it was mine she got a little attitude with me so I thought it was a scam at first but I went it my bank on XX/XX/XXXX at XXXX am and told them what happened and they didnt help me at all trying to show me the check that was written by someone with me ACCOUNT NUMBER ON IT that I didnt give my account number to no one and I asked them is anything I can do they said no and I just left out the bank but I paid back the {$200.00} with in the hour I left the bank now I have an overdraft fee of {$37.00} on my account because of the {$200.00} as said from the customer service of Fifth Third Ive been expecting some fraud and other things from my bank account, but I overlooked them. I need some help please
Product: Credit reporting or other personal consumer reports

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Product: Debt collection

Received notice from IRS CP2000 of taxes due on Cancellation of Debt. Today, XX/XX/XXXX, I contacted Portfolio Recovery Associates LLC to discuss a {$15000.00} Cancellation of debt that is noted on the CP2000 form. Information obtained from Portfolio Recovery Associates noted that the debt was a " XXXX XXXX '' from XXXX XXXX  for a cosmetic procedure performed on XX/XX/XXXX at XXXX  XXXX and XXXX in XXXX XXXX Michigan. It was also noted that the address listed for me at that time was XXXX XXXX XXXX IL. I have never had XXXX  XXXX. I have never been to Michigan. I have visited XXXX once in XXXX. I have never lived in any other state other than North Carolina. I have lived at my current address in North Carolina since XXXX. I have never signed for another individual for any XXXX XXXX. I have been employed by the same company as a XXXX XXXX since XX/XX/XXXX. 

The ACCOUNT # for reference is XXXX. 

I ran a credit report and noted that there are 2 addresses on this report that I have NEVER lived at ; and both of those addresses are from the state of Illinois.
Product: Checking or savings account

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Wells Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. In my most recent complaint I provided more evidence where the money went and they did not specifically address that evidence. They need to provide more details other than it is the customers fault and nothing can be done. Thank you very much! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

It was denying my application for credit card from Chase Bank I have saving account and checking account How that was receiving credit card from different bank and the credit company
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final RuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and all inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I disputed incorrect information on my Equifax report via certified mail. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. I then called Equifax and they said that I need to resend the information. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

This is absolutely insane and appears to be clear cut violations of 15 USC 1681i ( Fair Credit Reporting Act ) for failure to investigate. 

A VERY basic investigation would prove I sent the required documents MULTIPLE times and Equifax REFUSED to investigate. 

15 USC 1681i ( a ) ( 1 ) ( A ) states " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ) I therefore respectfully request that all items being disputed be deleted from my Equifax Credit report immediately. 
The erroneous accounts are attached in the uploaded documents and include : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX {$390.00} XXXX XXXX  {$1300.00} XXXX. XXXX XXXX. XXXX {$590.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$990.00} XXXX. XXXX XXXX {$4100.00}
Product: Credit card or prepaid card

Navy Federal credit union closed my credit card account while I was on XXXX XXXX status due to my past credit history which I tried to explain has since been improving and closing my card would actually hurt my credit score. I also explained to them that Ive been making timely payments so I couldnt understand why they would decide to close my account. It saddens me that a bank thats supposed to help military and uses military as a marketing scheme is actually a lie especially when Ive been a member for years and if they actually looked past my credit score would see that ive been making timely payments to all credit cards that I own.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian, XXXX and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Product: Mortgage

Have tried three times to get the information on eliminating PMI. Will not let me get to payoff amount that it takes to no longer be charged that fee. I have been a customer for 12 years and have NEVER been late on a payment. I have called and put on hold all times until they just hang-up. Over 3 hours of my time wasted just on those calls alone. They know that I should not be paying PMI any longer and they keep avoiding me. Also, I have sent two Certified letters asking for that info and all they do is respond with a canned e-mail. Please help, this is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

I have a HELOC with Chase. It was opened on XX/XX/XXXX. I have been a Chase customer since XX/XX/XXXX. I have never paid late ; not once. I have stellar credit with not only Chase but ALL my creditors. They decided in XX/XX/XXXX to change the interest rate on my HELOC from 2.74 % to 8.50 %. When I called they stated they had to " flip it to a fixed rate ''. I completely understand moving the loan to a 'Fixed Rate '. However, fixed rates today, with my fico of XXXX is a rate of approximately 4.125 %. I DO NOT understand how they can move my rate UP by 5.76 % in one month!!!! If any mortgage lender put a borrower in a loan at 8.50 % with credit such as mine, the CFPB would be knocking on the door of the lender asap. This is completely unacceptable to charge me a rate of 8.50 % on a mortgage loan. They did not offer me ONE SINGLE option. Just sent a new statement with the payment quadrupled. Please investigate. I have the statement and proof of the increase in interest rate. I can send anything needed. This is terribly wrong and needs to be corrected asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Past 6 months i have disputed multiple times a couple accounts with Equifax. XXXX continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Equifax has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were neither initiated nor authorized by me, and I am unaware of their origin. In compliance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your review.
Product: Checking or savings account

In XXXX of XXXX, I discovered that my funeral trust fund in form of a CD with PNC Bank was closed in XXXX of XXXX by the bank due to inactivity, as stated by the bank. The CD had a balance of {$9400.00} at the end of XXXX, which is when PNC closed the account, unbeknownst to me. The funds were sent to the Department of Revenue. I have had this funeral trust CD with PNC Bank for more than 25 years, and it always was automatically renewed. I, nor the funeral home ( XXXX ) who is listed as the trustee, were ever notified by mail, email or phone call, that the bank was going to close this account, which according to them was closed due to lack of activity. It's a funeral trust! On XX/XX/XXXX, XXXX XXXX XXXX submitted a claim to have the money returned to me. After hearing nothing, on XX/XX/XXXX, I checked the status of that claim and found it was closed due to the fact the funeral home failed to supply the required documentation! So on XX/XX/XXXX, I filed a claim to have my money returned to me. I provided all documentation XXXX requested and had email communication with them. On XX/XX/XXXX, I received a response back from XXXX that stated my CD account should never have been closed and that the money shouldn't have been sent to XXXX. It further stated XXXX contacted PNC Bank and requested that they take back the funds for the funeral trust. It further stated it would take some time to process the return. I had not heard anything from PNC Bank so on XX/XX/XXXX, I had my daughter take me to a branch of PNC in XXXX, Wisconsin to ask where things were at. I learned that nothing had been done to get these funds back and the woman I spoke with, XXXX, made some calls. She had us on speaker phone when she made the first call and the woman on the other end of whom she called told her to take the call off speaker phone. So my daughter and I had no way of knowing what was being said. We were then told by XXXX that this had to be handle by branch support and I had her take my phone number as well as my daughters, to call and let us know what will be done or needs to be done when she found out. On XX/XX/XXXX, I had not heard from anyone at the bank and had my daughter call XXXX back to see where things were at. XXXX stated to my daughter that it was my job to call the probate team and start the process. XXXX NEVER gave us any phone number, name or any contact information to have me start this process that day in the office. XXXX stated that she would call me when she found out what needs to be done as she didn't know the process of how to proceed with this. 
My daughter stated that she believes this attempt on the phone call to XXXX will not result in getting my money back to me. She said XXXX didn't seem to care. My daughter has now submitted another claim in attempts to get MY money returned to me from XXXX. I am XXXX XXXX XXXX and this has caused me so much stress that is effecting my health. How do I get my money back that was Illegally taken from me? Please help me get my money returned to me. 

Sincerely, 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX  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

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX