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

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and fraudulent bankruptcy by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts.
Product: Checking or savings account

The complaint is about Chase Bank. They refused to take information about this fraudulent activity and refused to investigate. 

Unauthorized payments were made from the savings account of my minor son to 2 different Chase credit cards on 2 different days. My son has no connection to these cards -- he is a minor and doesn't have a credit card. 

On XX/XX/XXXX, a payment of {$1000.00} was made from my son 's account, to a Chase card ending in XXXX. 

Today, XX/XX/XXXX, a payment of {$600.00} was set to pay from my son 's account, to a Chase card ending in XXXX. 

My son discovered the unauthorized payments today, and we called his bank immediately. They disputed the XX/XX/XXXX charge, put a stop payment on the pending charge, and put a block on any further payments to Chase from my son 's account. They were able to see the name of the person making the withdrawal- it was a XXXX XXXX XXXX. We have never heard of him. 

We called Chase Bank. They were unwilling to take any of the identifying information to investigate the situation. They were unwilling to investigate. They said I needed to call my son 's bank for investigation. When I pressed, they claimed that even with the name, the last 4 of the credit card, the payment amount, and the payment dates, they would be unable to find the accounts of their cardholder or do anything about it.
Product: Student loan

I 'm writing to complain about what I think are excessive Late Fee charges over time. After deferring payments on this private loan for the maximum time, a year, because I was n't earning enough income to make my payments, I had to start making payments. I was fortunate enough to get a XXXX job so I could do that but my payments were still often late over a period of XXXX years, so I was charged many late payment fees. Those fees have totaled over {$350.00} so far and I think those are QUITE UNFAIR AND EXCESSIVE, especially considering my interest rate on this private student loan is over 12 %. Congress needs to write laws regarding the maximum late fees allowed yearly on private student loans. Having these private loans has certainly discouraged me from getting more education, something that would certainly benefit me in the job market. So my question is, is that what excessive LATE FEES and ridiculously high student loan INTEREST RATES are supposed to do? Are they supposed to DISCOURAGE people from pursuing graduate degrees? Is that what Congress thinks will be BEST for the economy, or do n't they think in those terms?
Product: Credit card or prepaid card

Had an inquiry popped up on my personal credit profile from American Express and I dont have a personal account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX XXXX  Opened XXXX {$300.00} XXXX Opened XXXX {$400.00} XXXX XXXX Opened XXXX {$420.00} XXXX XXXX  Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX  XXXX Opened XXXX {$620.00} XXXXXXXX XXXX XXXX Opened XXXX {$850.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX Opened XXXX {$1100.00} XXXX Opened XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Currently on-time XXXX XXXX XXXX XXXX  Currently on-time XXXX Missed Other loans XXXX XXXX XXXX 
Currently late XXXX Missed XXXX Currently on-time XXXX Missed Inquiry details XXXXXXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  ( Retailer ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Hotel and travel ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Home shopping ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX error XXXX days late {$250.00} XXXX  error Needs attention {$3500.00} XXXX XXXX XXXX XXXX attention {$1100.00} XXXX XXXX XXXX error Needs XXXX {$1100.00} XXXX XXXX error XXXX XXXX {$1000.00} XXXX XXXX error XXXX XXXX {$990.00} XXXX XXXX XXXX, error Needs attention {$850.00} XXXX XXXX XXXXT error Needs attention {$620.00} XXXX XXXX XXXX XXXX Needs attention {$540.00} XXXX XXXX  error Needs attention {$480.00} XXXX XXXX error XXXX XXXX {$420.00} NCA error Needs attention {$400.00} XXXX XXXX error Needs attention {$300.00} XXXXXXXX XXXX XXXX 
error XXXX days late {$3600.00} XXXX error XXXX days late {$1800.00} On time XXXX XXXX 126 % credit card utilization {$620.00} XXXX XXXX XXXX % paid off {$5500.00} XXXX XXXX XXXX % paid off {$1800.00} XXXX XXXX XXXX % paid off {$1500.00} XXXX 0 % credit card utilization {$0.00}
Product: Debt collection

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 



CREDIT COLLECTION SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit file thats fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX XXXXXXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect person information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of thr Equifax security breach that has affected hundreds of millions of Americans. Using their inquiry tool, I found that my information was contained on the database that was breached. This is incredibly irresponsible on the part of Equifax, especially because I did not know that I was a recipient of their services and was not given a choice whether or not to give my information to them.
Product: Debt collection

I sent national credit adjusters a verification letter over a month ago. They did not send anything in return, but they reported to the consumer reporting agencies that its been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE UPDATED MY PERSONAL INFORMATION. BUT I AM STILL SEEING INCORRECT ADDRESS AND EMPLOYERS. SOME INFORMATION HAS BEEN UPDATED BUT NOT ALL.
Product: Credit card or prepaid card

Amex closed this accounts during XXXX XXXX and despite the legal harassment, I went ahead and did more than a settlement asking the legal team to delete these account from the reporting as they were a third party, this did not happen and for the next XXXX years whenever i dispute these account Amex in their history put it as a fresh charge off .I am attaching images of XXXX, XXXX and XXXX where the historic data clearly shows as a XXXX and XX/XX/2023 charge off, whenever i apply for a credit card or loan, this shows as recently delinquent account instead on XXXXThis is just not acceptable hence raising a serious complaint to CFPB
Product: Mortgage

Specialized Loan Servicing, without my knowledge and consent, has prepared an insurance policy for my home and sent me a letter demanding {$3200.00} in the form of a cashiers check or money order. In addition, they are telling me that I MUST add earthquake coverage to my insurance policy, that, by the way, has XXXX XXXX dollar earthquake coverage in addition to the XXXX XXXX dollar property coverage. 

These predatory, fraudulent tactics to intimidate homeowners and extract money from them need to be addressed and put to an end. 

As a homeowner, I have never missed a mortgage payment or been late a single day. My home has not been without proper and legitimate insurance for a single minute, yet Specialized Loan Servicing LLC ( SLS ) is not giving up on the idea of forcing their own insurance upon homeowners.
Product: Debt collection

XX/XX/XXXX spoke to a representative via in bound call at my place of employment and advised that I can not take personal calls at my workplace. I contacted them again on XX/XX/XXXX as the calls did not cease and asked for a mailed copy of the debt in question. I also asked that they stop calling my employer and they said they would stop contacting me at work and remove my work number. 
They have continued to contact my place of employment and have not stopped although my employer has also explained that they can not call as this is a place of business. They have called again today to my place of employment and left me a voicemail.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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

I have submitted prior complaints to the following : XXXX XXXX XXXX still is reporting to the credit bureaus this collection account that they said they ordered removed from the credit bureaus on XXXX XXXX. ( See prior complaint XXXX ) Therein XXXX XXXX XXXX stated on record they ordered the removal of this account from all Credit bureaus and 10 days elapsed and XXXX XXXX is still reporting on the credit bureaus despite the fact they voluntarily ordered the removal of this entry on my credit reports, and XXXX days later it is still static in my credit report, see attachments, and whereas supporting documents, see attached, shows they concealed information that proved data they were reporting was invalid including the initial default data which was a year earlier than they were reporting, knowingly, as they documents attached came directly from XXXX XXXX XXXX, and XXXX days later this entry has not been removed from my credit report as they said they ordered 10 days ago. 

I demand consumer finance make record of this and further demand consumer finance demand all credit bureaus to remove this entry immediately as this process and complaint has not been resolved and I continue to be damaged everyday this stays on my credit reports. 

I demand consumer finance to make in inquiry into this matter as it remains unresolved thus far and since the first complaint I made regarding this matter. 

Documents attached show that XXXX XXXX deliberately and maliciously concealed data and manipulated their paperwork as to confuse anyone that would look at the paperwork and not understand how their figures and dates balances out. 

You can review the attached documents and it clearly proves deception on the part of XXXX XXXX XXXX and I demand action be taken immediately! 

Equifax, XXXX, and XXXX continues to post this bogus data even after the same documents were provided to them and they claimed an investigation occurred but could not have if they actually read the documents provided to them. 

This has become a circus of events and I demand a thorough inquiry into this complaint.
Product: Credit reporting or other personal consumer reports

The accounts listed below have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning late payments and unauthorized inquiries. Under **15 U.S.C. 1681, Section 602 ( a ) **, I have a right to privacy regarding my financial information. **15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ** states that a consumer reporting agency can not furnish account information without my written authorization, meaning any unauthorized inquiries on my report are a direct violation. Additionally, **15 U.S.C. 1681c ( a ) ( 5 ) ** prohibits reporting adverse information, such as late payments, beyond the legally allowed time frame. Furthermore, **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** explicitly states that furnishers of information must not report data they know or have reasonable cause to believe is inaccurate. Given these protections, I formally request an immediate investigation into the unauthorized inquiries and late payments reported on my credit file. If these entries can not be verified with proper documentation proving their legitimacy, they must be removed to ensure compliance with federal law. Please provide written confirmation of your findings and any corrective action taken within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion illegally reinserted a deleted item on my credit report account XXXX XXXX XXXX does not belong to me, I am a victim of id thief and Transnion has been made aware Also there is a new account that just popped up from XXXX XXXX  that I never opened
Product: Mortgage

To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..
Product: Credit reporting or other personal consumer reports

I was notified by a credit repair specialist that a company is reporting inaccurate information to my credit report this account does not belong to me. Please remove immediately!
Product: Credit card or prepaid card

Hi I was charged multiple times for the same thing and from same company..I tried disputing the charge since I did not recognize the transactions I also disputed some XXXX dollar charges that were continually charging my card for the same thing the same exact time as I was doing the other dispute.. 
.Bank of america quickly issued a credit for the XXXX dollar charges but did not Even investigate the high dollar amount claim..they quickly denied me ..I know they didn't investigate my card and its not right that they pick and choose what they want to do for us..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pull out my TransUnion credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX XXXX  Date Updated : XX/XX/2019 XXXX  XXXX  Date Updated : XX/XX/2019
Product: Credit card or prepaid card

I want to preface this that I filed a claim with Bank of America 's claim 's department on XX/XX/XXXX and I received a letter on XX/XX/XXXX dated and generated XX/XX/XXXX, the DAY AFTER I filed my claim, stating that my claim was closed because it was " the subject of fraud or suspicious activity. '' This tells me that BofA did not conduct a proper investigation and they are automatically closing claims within 24 hours. 

My claim number is XXXX in the amount of {$2600.00} account ending in XXXX. 

Essentially, {$2600.00} was stolen from my account through 4 fraudulent transactions. These transactions were made in cities I have never been to and locations far away from my home. My BofA EDD card was in my possession the entire time. I was told by a BofA rep when I first filed the claim that they would credit that amount to me in 10 days and perform an investigation, but they closed the claim the day after I filed it. The rep told me that my card was probably duplicated and that the scammers got my number and pin from a skimmer or that the info was sold on the XXXX XXXX. I have since canceled the old card and received a new one in the mail, but I'm having trouble getting Bank of America 's claims department to take this seriously and refund the disputed transactions. 

I filed a police report today with the XXXX ( tracking number XXXX ) and faxed that documentation to Bank of America as I'm trying to reopen my claim. Still, the claims department representatives were unable to give me any details or documentation as to why my claim was closed or regarded suspicious or fraudulent. They could not provide me a timeline and told me to call back next week. The number for BofA 's claims department is XXXX. To be honest, I suspect that there has been an internal leak at Bank of America or the EDD because XXXX people have been affected by EDD fraud and the issue has been in the news. An operation on such a large scale is probably not the result of skimmer devices and leads me to believe that there was a data breach or lack of proper security of customer information. 

Instead of investigating the claim, BofA closed it even though there should be video footage for the 3 ATM withdrawals and the purchase at the XXXX XXXX in XXXX. 
I filed a claim disputing the following 4 transactions that took place between XX/XX/XXXX and XX/XX/XXXX. 

Transaction 1 : BANK OF AMERICA XXXX XXXX XXXX XXXX California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 2 : BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX , California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 3 : BANK OF AMERICA XXXX XXXX XXXX XXXX, California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX United States of America XX/XX/XXXX XXXX Purchase of Goods or Services $ XXXX Total : {$2600.00} Please look into this mishandling of customer claims and help me get this issue resolved. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.