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

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX FTC Report Number : XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, On XX/XX/2023, disputed an account reported by XXXX XXXX XXXX XXXX the file you maintain under my Social Security number. 

I was informed on XX/XX/2023 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which you never notified me. Please show me a certified copy of the letter you sent to the address above within 5 business days of this reinsertion. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
Product: Consumer Loan

I went to a dealer that uses Chase Auto Finance as their captive lender. I purchased an add-on optional insurance product in the amount of {$690.00} and paid for that product separately on XXXX XXXX, 2016 while leasing my vehicle. Under the terms of the agreement for the insurance I have a 60 day right to cancel. I have diligently attempted to cancel the product without success. On XXXX XXXX, 2016 XXXX XXXX XXXX ( Chase ) sent me a letter stating that the Optional Insurance product was incorrectly stated on my lease and the total charge is {$690.00}. When I called Chase, I was told that the down payment amount was not applied to my lease ( I do n't know how that is relevant ) and the {$690.00} for the optional product was not factored into the lease payment calculation. 
The amount I paid at the time of the lease closing was : the first month 's payment of {$370.00} plus trade-in of {$500.00}, plus the {$690.00} optional product and taxes etc for a total of {$1600.00} which was charged to my XXXX XXXX. Not only can I not find an address to send a written complaint, when I called and requested XXXX I was given a XXXX XXXX XXXX This is literally the most complicated, convoluted process I have ever encountered. On a closing note - what type of oversight does Chase have with their dealers? The gentleman who I worked with told me " You wo n't understand this so I will just go over the important parts '' when reviewing the terms of my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for a secured loan. Everything was approved except the company needed to contact me by phone because there is a fraud approval on my credit that does not allow the funder to release funds until they have verbal approval from me. 
I have no idea who placed this fraud on my report. It was dated XX/XX/XXXX, it will be in effect until XX/XX/XXXX. I need it removed immediately -- I did not authorize it. Experian is the company that placed the statement on my account. I tried continually for 3 days to contact someone to talk to. No matter what phone # you call at Experian, you get a recording. I did reach a recording that told me that this statement could not be removed from on line I compiled all of the documentation required-picture of driver 's license, utility bills, copy of social security card, etc. I mailed the information XX/XX/XXXX- 2 weeks ago! I have not received a reply from Experian.. I am in a position..The loan was for remolding our kitchen appliances have been order and the contractor will not begin work until he receives the down payment..
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to XXXX XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I purchased XXXX  to make a purchase via XXXX  I tried to send to the company. I was asked to verify I uploaded my Id and took a selfie I was told it will take two days today is now day four XX/XX/2024 this is causing me to lose money and business. I uploaded and sent my ID via email. They choose to lock me out of using my funds and no word on returning the money back. This is theft.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX XXXX have given Opp Loan, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently EXPERIAN, XXXX, XXXX, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.
Product: Credit card

I received a card in the mail from Capital One on XX/XX/year>. I never applied for the card, nor did I receive any notification that the card was created. I called Capital One, and they apparently closed the account, while also stating that I should file a report. They stated to me that the card was applied for this month, as in XXXX, but I did NOT apply for a card. I never got an email from Capital One saying congrats on your new card, frankly I have never gotten an email from them regarding anything ever in life. I have security measures set up to alert me, and I never got an alert saying that I applied for a new card, which seems funny. These things typically do not malfunction. An email account must have been given at the point at which the account was created, and I would at least like to know what that address is. That would confirm whether or not someone has access to my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Financial Services violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Debt collection

COMENITYBANK/VICTORIASSECRET failed to give me proper validation of this debt. 

I mailed COMENITYBANK/VICTORIASSECRET a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16
Product: Debt collection

Jefferson Capital Systems appeared on my credit report on XX/XX/2024 for a XXXX collection. I have never done business with XXXX XXXX. I believe I am a victim of identity theft. I've never received any letters from this company nor XXXX saying I had an account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX/XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.
Product: Mortgage

I closed on a property located in XXXX, AZ on XX/XX/XXXX. I was contacted the beginning of XX/XX/XXXX requesting additional information from the Lennar Senior Loan Processor. This would include : XXXX proof of payment of XXXX taxes XXXX. XXXX tax return ( was uploaded during original loan process ) XXXX. Hire letter for my husband, who was actively working at the time we applied for the loan XXXX. A change in insurance coverage for the property. Lennar insurance quoted the insurance policy for the townhouse and we accepted their quote through XXXX XXXX. Lennar is not stating we need to change this policy to a homeowner policy, which in turn will significantly change the cost of the policy.
Product: Credit card

In 2023, XXXX XXXX reduced my credit limit twice with no missed payments and minimum payments made. As a result, my credit score dropped significantly. In XXXX of 2023, I did a balance transfer to reduce the amount of the XXXX in half and pay more towards the balance to reduce the debt. Again, XXXX reduced my credit limit which again impacted my credit score. I called to ask why and sent a letter and was told verbally and via letter I could ask for a credit limit increase and stating to them this was an unfair practice of reducing the limit which impacts my credit utilization which in turn impacts my credit score. In XXXX of 2023, I requested a credit limit increase per the letter sent to me from XXXX and was denied the increase stating my monthly mortgage payment was not provided which I had updated in the app the prior month. Since then I have been working on paying the card completely off. 

Yesterday, I received a letter from Bank of America stating they have made the decision to reduce my credit line after reviewing my credit history, economic and loss trends and consumer reports. My XXXX XXXX is a direct reflection of the the credit limit decrease by XXXX and now Bank of America who have both impacted my utilization scoring. All of my accounts have been paid on time with more than the minimum and I have paid off two cards within the last 90 days totaling more than XXXX. 

If I am one person who has had this happen to them twice, just imagine the others who are in the same position being negatively impacted for utilizing credit and paying them off. My husband has had the same happen to him and has closed all of his credit accounts to avoid this and went into debt relief which should not have had to happen in paying a off the credit cards. This is unfair and malicious. If the end goal is to keep us all in debt just say that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 JPMCB made an inquiry for a XXXX XXXX Bank Credit Card on my account. 

I do not recognize the above referenced inquiry. Please remove from my report :
Product: Mortgage

My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to conduct a proper investigation on the inquires that are unauthorized on my credit report. I have attached the letter I sent them and they sent me a computer generated response saying the inquires were factual and there is no way they did a proper investigation while seeing proof I authorized these inquires. I 'm just asking them to comply with the FCRA.
Product: Consumer Loan

I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed Accounts : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX - XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I started getting collection calls for a credit card opened last year, I have had my identity stolen and been party to several data breaches.
Product: Checking or savings account

I had a business account with wellsfargo I was not paying or signed up for XXXX access on that account ( XXXX has no record of any such connection so it's all Well Fargo fees ). I closed the empty account in XX/XX/XXXX.

In XX/XX/XXXX, I open a personal account. I come to find out I have been being charged XXXX a month for a service I never requested and the reasoning is an email I found in my simply reading : " Dear **** *******, We have changed the billing account for your XXXX ( R ) or XXXX ( R ) service billing account to the account ending with the numbers XXXX.

If you have any questions regarding this change, please contact us at XXXX for more information. We are available to assist you XXXX XXXX to XXXX XXXX XXXX XXXX, Sunday through Saturday.

Sincerely, XXXX XXXX Senior Vice President '' I NEVER had this service and even if I would have had this service years ago, I never authorized Wells Fargo to randomly, months later grab and link a new personal account ( associated with my SSN ) with a business account ( associated with an EIN ) based on my name alone and without any warning or request for permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple inquiries on my report that are not mine. 

Cap one na, XX/XX/18 credit plus, XX/XX/18 Late pay XXXX XXXX XXXX XXXX, XX/XX/18