23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15USC 1681 Section 602 States i have the right to privacy. 

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as a late for any purpose.
Product: Credit card

Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I paid my school property taxes online via a digital copy of a citizens bank check for the amount of {$2600.00} ( check number XXXX ). On XX/XX/XXXX check # XXXX for {$1900.00} and check # XXXX for {$1300.00} was cashed and withdrawn from the account. On XX/XX/XXXX I reported both check numbers XXXX and XXXX as fraudulent and also a transfer amount of {$19000.00} from an additional account. The accounts affected were immediately frozen ( so I was told by a citizens bank, banker. ) Later in the same day and following days, multiple other fake checks were cashed, putting the " frozen account '' into a negative balance. I was then charged overdraft fee 's, which was automatically withdrawn from unaffected accounts without permission and after being told in branch at the XXXX NY location that I would not be charged. Also, I received multiple letters from citizens bank stating my unpaid overdrafts would be going to collections and that my credit would be effected. In the following weeks I made multiple in person visits to the branch and was assured by staff I would receive my refund of the total amount lost in fraudulent charges within XXXX  days. Within XXXX weeks I was refunded the fraudulent {$19000.00} and since that time I have not received any refund for the additional amounts owed. 

Citizens Bank had sent letters stating they a preformed an investigation and determined the checks written to be fraudulent and I would receive reimbursement. The total amount still owed to me is {$7000.00}. Of that amount {$3200.00} was withdrawn prior to reporting fraud and the additional {$3800.00} was withdrawn from a frozen account after reporting fraud. 

It has now been over XXXX  months and I am still owed {$7000.00}. Citizens Bank claims they are not responsible to refund the money, that the banks where the checks were cashed are responsible. They claim to have sent multiple Emails to the other banks ( unknown which banks ) with no response back. Citizens bank banker has assured me multiple times that by law, the banks that cashed the fraudulent checks have to pay me back, but they are unable to tell me when. I have requested multiple times in person and over the phone to be updated and sent copies of such requests and have received nothing of such, nor the money owed to me.
Product: Debt collection

In 2021 XXXX XXXX XXXX  was notified with a complaint against XXXX XXXX XXXX concerning these charges. 3 days after a customer service manager from XXXX XXXX XXXX contacted me to understand my complaint submitted to XXXX. I explained the reason of the determination of the contract service since I could not use the phone and neither the service and I was tired calling and calling for help. I returned the phone and I was told that my service is terminated and I would not have anymore charges or any contract with XXXX XXXX XXXX. and here we are after 2 years. Everything should be on file, including the dispute made throughout XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknow things on my credit report. To this day over 38 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 38 days so they must be deleted as soon as possible. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name 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

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

I was XXXX and on my XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations XXXX XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with Equifax under XXXX XXXX XXXX, XXXX. XXXX stated they called Equifax to have them remove immediately, yet Equifax is still showing as a collection and a balance due of {$70.00} with XXXX and not XXXX.Equifax is not using due diligence and is ignoring both me and MC. 
***XXXX removed from credit file yet, Equifax is still showing as a derogatory remark
Product: Credit card or prepaid card

I submitted an application to Citi Bank for a promotional offer I saw online. https : //www.citicards.com/XXXX I received a request for additional documentation including photocopies of my XXXX and payslips ( which is not a common request from credit cards and I still complied with those requests ). 

My credit score is excellent ( XXXX ) and my XXXX shows income above XXXX dollars a year. I did not receive a fair explanation of the reject letter either and I have to assume that it is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and I have similar names and lived next door to XXXX another. Experian and XXXX both reported a bankruptcy that belonged to my father. I sent the information to the bureaus proving this fact with both my fathers ID and mine. XXXX  immediately corrected the issue Experian did not. Experian sent me a letter stating that they had verified with the issuing agency ( The court ). So I went to the court. Received a letter from the court stating they did not verify the information and that it was the wrong person. Still Experian would not remove it or give me the proof I asked for as to how they verified it.
Product: Credit card or prepaid card

I received a credit card in the mail today. It is a Chase Visa Southwest rewards card. I did not apply for this card. I do not want this card. I called Chase to let them now. They said they would closed the account, but they would not remove the initial credit pull or the opening of the account. 
I do not believe that is the right thing to do because I never applied for this card. Ive worked really hard to have the credit that I now have and I do not think it is fair that a company can open an account in my name, fraudulently, and not remove all traces of said account when notified that they were not authorized to use my information. 
All Im asking for is that the card be closed and all traces of the application and issuing of this card removed from my credit history.
Product: Debt collection

On XX/XX/2020, CAPIO partners fraudulently reported a debt of {$2500.00} on my XXXX  credit report. I have not received any documentation to verify this debt. I have not been contacted by this company whatsoever. If you search the name of this collection agency online, you will find hundred of consumer complaints describing these unfair and deceptive tactics.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have right to privacy ( 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USCS 1666b a creditor may not treat a payment on a vehicle account under an open end consumer vehicle plan for any purpose.
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 name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I would like to remind you that I sent you a letter regarding my complaint against JPMorgan Chase on XX/XX/2022, and still have not received anything from your side yet. I understand that my case is complicated, and some time is needed to investigate it properly especially taking into consideration the newest conditions. 
However, the main reason for writing this letter is not even that I still have not received any comments or updates from you on this matter but is a fact that in the middle of XXXX of last year I received the information from JPMorgan Chase that my bank account was frozen according to a court decision. The main thing is that this claim has been made by my creditor XXXX XXXX XXXX XXXX as I had not paid them the full amount. The reason why I could not proceed with the payments in a normal way is the fact that I had been scammed and lost my funds needed. 
Needless to say, I was deeply shocked by this news and found JPMorgan Chase 's behavior not only outrageous but also dishonest and unethical as their negligence and tries to avoid responsibility are causing me even more problems now. My financial situation is getting worse as time passes and instead of just getting my lost money back as compensation, I have to fight the bank and try to get justice from you. Nevertheless, I believe that you as a regulator understand that such cases are not limited to my case, especially given the information I provided earlier on this matter and therefore can help me and others affected by the bank 's inaction. 
I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible.
Product: Credit card

" Bank Of America '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Bank of America, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a " Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a " Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is.
Product: Credit card

I reviewed my XXXX statement and i notice that a finance charges of {$3.00} was posted to my account in XXXX XXXX. The previous balance has been paid in full and no finance charges should have been accessed to the account, I called the customer service line yesterday and try to resolve the issue, but the customer service agent can not explain how the finance charges were accessed except for it is a system generated. The agent keeps on changing the story when i challenged her as she can not explain how it is calculated. The current balance on this account is {$0.00}
Product: Checking or savings account

There were three unauthorized transfers from our bank account to another account. 

On XX/XX/2024, {$2500.00} was transferred to this unknown account. On XX/XX/2024, {$3100.00} was transferred. And on XX/XX/2024, {$3200.00} was transferred again. 

I also found out none of phone numbers are mine which need to verify the app to login security code. 

We reported this issue to the police and sought out a lawyer, who wrote a letter to the bank. 

However, after investigating this issue, the bank refused to refund the money. They only said those three transfers were authorized by my email.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX, and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance : {$4100.00}
Product: Credit card or prepaid card

on XX/XX/XXXX I logged into citi.com and paid my credit card balance in full as I do every month. On XX/XX/XXXX, after logging into my checking account I learned someone had hacked into my account and wiped my checking account out, as a result, a security closure was done to protect my account from further ID theft. A day later XX/XX/XXXX CITI finally presented my payment scheduled for XX/XX/XXXX to my bank, but the account I scheduled the payment from the week prior was already closed and the new account had been generated already. 

During that time I made several calls to CITI to discuss disputed payments on my account and no one bothered to notify me my account had/or would be closed, or that my payment had been returned. 

By closing the account, CITI also removed the XXXX XXXXXXXX reward certificate I had earned from the previous year 's spend. 

As I had never been late with my payment and never missed a payment, closing my account without notice, based on the resulting account closure of my checking account due to Identity Theft seems extremely uncalled for, irregular, and seriously deceptive practice. 

Citi is also required to provide me with written notice of their adverse actions closing my account. However, I have not received any letters regarding the account closure, and none are shown in my online document center, which is where they should all show up as I am setup for paperless documents, billing, and statements.
Product: Debt collection

I 've attempted to remove this debt that is not mine. This is a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a dispute letter to Transunion. I disputed the Chapter XXXX bankruptcy from USBK COURT XXXX XXXX. The court did not verify with Transunion that a chapter XXXX was discharged. Transunion also received the dispute letter on XX/XX/2019 and it was signed off by XXXX XXXX. I never received a letter that they were investigating the dispute. It has been over 30 days and I still have not received a response from Transunion. They did not reply in a timely manner to my initial letter on XX/XX/2019, they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have proof XXXX deleted the chapter XXXX bankruptcy discharge because they did not verify with the court. The court stated they do not report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
Transunion has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record
Product: Credit reporting or other personal consumer reports

Experian credit report is reporting A XXXX XXXX XXXX Credit card that is over the time frame of the FCRA rules and should not be on my credit report please help me to make sure they take it off of my experience credit report thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. Please find the attached copies of my credit report highlighting the inaccurate entry, along with identification documents for verification purposes. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. 

Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the accounts, inquiry and addresses immediately. I have attached all proof.
Product: Checking or savings account

Open the account up in XXXX set up direct deposit with my social security check setup that my cell phone bill automatically be paid each month on the XXXX of each month out of this account XX/XX/XXXX came took {$48.00} out of the account button didn't pay the cell phone bill had to pay the bill with another account have proof of paying the bill XX/XX/XXXX same thing happened got a copy where I had to use another account to pay bill filed the dispute they closed the dispute said they came to a resolution didn't put the money back from XXXX then put the money back from XXXX and close the account and now my money is just missing and the bill didn't get paid by them and they won't reimburse me my money I want something done about this this is probably terribly wrong and misleading as well as they said if you make if you put direct deposit in you could get over a {$200.00} overdraft fee come to realize that you got to have over {$200.00} deposit I had {$180.00} I didn't qualify doesn't matter I want my {$48.00} from XXXX and XXXX they took my money they didn't pay the bill I could prove they didn't pay the bill and the lady told me they couldn't tell me why they didn't pay the bill why they won't give me my money back and why they close the account