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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : {$3500.00} XXXX XXXXXXXX Balanced : {$2600.0XXXX XXXX XXXX XXXX XXXXXXXX Balanced : {$670.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

* I applied for a checking account online with Chase on XXXX. The application was accepted and the account was boarded. 

* I made a small deposit to my new Chase checking account from my existing XXXX XXXX XXXX account on or around the same day. The money did materliase in my Chase account. 

* I received a debit card in the mail on or around XXXX. 

* On XXXX I received an email notification from Chase, requesting I establish a direct-deposit with my new checking account. I attempted to logon into my online profile, however was informed that my account was locked due to suspicious activity. 

* I attempted to contact Chase the following day on XXXX. I was informed I needed to speak to a special team and to call back the next day. 

* I called back on XXXX. I was on hold for one hour and ten minutes, when the call was abandoned by Chase. 

* I called back on XXXX. I was informed that my account was closed due to identity theft concerns. I asked what were the " red-flags '' that triggered identity theft concerns. I was informed I did not submit any proof-of-identity when the account was boarded and the bank did not know who I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my Equifax report and 15 hard inquiries on my XXXX report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Product: Credit card or prepaid card

We contacted Capital One and disputed a claim with the merchant XXXX XXXX. Capital One informed me Mastercard handles the disputes. We provided all of the correct documentation. As Mastercard investigated they contacted me and asked for more documentation. We provided more documentation. However, the merchant was not asked to provide more information, therefore, the case was closed. If Mastercard asked the merchant for more information, they would have found out he could not provide more information to support his position. Therefore, Mastercard did not completely investigation our disputed charge. Case Number with Capital One/Mastercard : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> TransUnion LLC Dear TransUnion Team, Good evening. 
I would like to take a moment to express my gratitude for restoring my XXXX XXXX account. Your swift response to my request is greatly appreciated. 
Additionally, I would like to request your assistance in correcting the reporting for my XXXX XXXX XXXX account. It appears that there may be inaccuracies that need to be addressed. 
Thank you once again for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I had signed up for premium car rental insurance through American Express. In early XX/XX/XXXX I called to have this service cancelled. Since then they have continued to charge me and claim to have lost my cancelation and refuse to refund me the old charges. This is abysmal that they put the burden of proof on me to maintain a cancellation record ( they only send physical mail, refused to send me an email confirmation or a confirmation number ).
Product: Checking or savings account

On XX/XX/XXXX, I attempted to apply for a CapitalOne checking account. I was prompted by the system that something went wrong. I was invited to apply again. After several unsuccessful attempts I finally called CapitalOne. 

I was told that I had actually been denied an account. There was no explanation as to why. I did not receive any communication from CapitalOne as to what consumer reports were used in the decision. I was told the decision was final and there was no further information available other than that I've been denied an account. 

I was also told that I am not entitled to know why I was denied an account, but without that information, how can I dispute any inaccurate or outdated information? I was told this stemmed from an account in XXXX. That seems outdated, but again, I was told I could not be furnished this information. 

I'd like my rights under the FCRA respected. 

I was not told what information was used against me in this decision. 
I was not told which consumer reports, if any, were used in this decision, meaning I can not request a free copy of any reports used. 
I was told I did not have a right to know what's in my file ( e.g., what information/accounts CapitalOne was referring to ), only that the decision was final. 
Again, I can not ask for a credit score, because I do not know what consumer reports were used.
Product: Debt collection

Yesterday the lender Covered Care took their monthly payment from my bank account. I saw that it had been removed and I assumed everything was fine, same as it is has been every other month. Then, starting about XXXX this morning, they began to spam call me endlessly. I called them at one point to see what their problem was and I was told the account was past due. I responded " you took the money out yesterday so no it's not. I'm looking at my bank balance right now. Also I'm at work and you need to stop calling. The calls did not stop. At least seven other times they called during the course of the day. I called them two more times ( after the first that morning ) to tell them they were harassing me and they needed to stop. Eventually a gentleman I spoke with apologized and said they'd never contact me again. Then 30 minutes later I got another call from them. That was 30 minutes ago. 

Their behavior was on its face scummy and illegal, but, again, they had already take the payment yesterday so they had nothing to gain from this, they just refused to stop.
Product: Debt collection

CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries and inaccurate personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Listed below are the Inquiries that are being challenged INQUIRY - 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 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. 

XXXX Incorrect Address : - Incorrect Previous Address : 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 1 of 4 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. Below is a detailed list of the erroneous entries : Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Address : - Incorrect Previous Address : - 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

Wells Fargo reported that we were over 6 months late on our mortgage which never happened. I will admit that we were behind by 2 months but never 6 or more months consecutively. They reported this and it has a direct impact on my rating. They did this to make themselves look good and force my wife into signing paperwork that modified our house loan under false pretenses. This company is wrong and they know it.
Product: Student loan

In  XXXX , I took a {$28000.00} loan for   XXXX   XXXX   with  XXXX   XXXX  - now referred to as Navient. Since that time, I have consistently made the required payments each month for t he past seven years. When I look at my account details, it turns out that approximately {$900.00} of the  actual loan - not interest - has been paid. I have paid {$18000.00} faithfully and respo nsibly for seven ye ars, and all I have to show is less than  a thousand dollar  paid towards the debt. Also, according to my account details, the estimated payoff date is  XXXX / XXXX / XXXX  with the continued payment of {$220.00}. I am unsure as to what kind of math the lender is using, but the projection and monthly payments do not equate - unless the lenders are looking to increase my monthly payment to {$45 0.00}. In fact, the current payment rate would actually take me ten years to pay off.   <P/> As a responsible and educated borrower, I do not feel that the lender is being transparent nor realistic about the repayment process. I call on the Consumer Financial Protection Bureau to investigate this situation as this is a form of financial imprisonment and punishment for me trying to better myself.
Product: Checking or savings account

I opened my XXXX  Checking account on XX/XX/year> in a BMO branch. I was able to log in to bmo.com and access my accounts later that day. The next day I was unable to log in. Online support was clueless, escalated the issue to tech support, and told me to wait XXXX business day for a response. After waiting 3 days, I never heard a word from tech support or anyone else. On XX/XX/year>, after having waited for more than 3 days for a response, I was still unable to log in until I selected " forgot password? '' and changed my password. 
===================== On XX/XX/year>, when my available balance was over {$7500.00}, I made an online request to do an ACH transfer of {$7500.00} to my verified external checking account at XXXX XXXX. The request was immediately rejected without explanation. An online supervisor could see no reason why the request was rejected and asked me to repeat the request while he waited on the phone. The XXXX request was also immediately rejected, without explanation. The supervisor escalated the issue to " tech support '' and recommended I wait XXXX business day for a response. I'm not going to sit around waiting for your " tech support '' to get around to looking into this issue. I want whatever is blocking my XXXX transfer requests to be removed, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - submitted online credit application to XXXX  XXXX  XXXX   XX/XX/2020 - received emailed letter from XXXX XXXX XXXX stating denied for " history of delinquent credit obligation ( s ) '' XX/XX/2020 - contacted Experian for copy of credit report and after receiving that about a week or so later called XXXX  XXXX  office who told me to contact Experian who told me to contact XXXX  XXXX  who told me again to contact Experian - I've talked to them 3 times now with no resolution other than to tell me to call XXXX XXXX back XX/XX/2020 - I called XXXX directly based on info under Hard Inquiry on my credit report who also informed me they are not a credit reporting agency and that I have to talk to Experian XX/XX/2020 - called Experian again and was told there's nothing wrong with my credit report and to call XXXX XXXX again
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights under 15 1681 section 602 states. I have the right to privacy 15 US 1681 section 6048 section 2. It also states a consumer reporting agency can not furnish account without my instructions. 1666B not a payment on a credit card account under an open consumer credit plan as for any purpose
Product: Student loan

I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX.  They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and i am writing this letter distraught and in emotional distress. XXXX and Experian are showing inaccurate information to my report. They both are reporting an account i did not consent, inquire or benefit from. I have requested several times to remove account. This is hurting my credit profile tremendously. I have no debt on my report but this one and it is hurting me. I called both bureaus over XXXX times and no help. I asked to speak to supervisor and i am placed on hold for hours on. They are not protecting me as a consumer. PLEASE HELP I AM COMPLETELY AGITATED.
Product: Mortgage

In XXXX of 2013 my husband and I went through a loan modification to restructure our debt. At the time we had 3 home equity lines of credit through Key Bank. All were included in the new loan. We have recently tried to secure a new home loan and discovered that not only are these account still listing balances when they should not be but are each listed in duplicate on our credit reports showing us as having {$160000.00} in collection accounts. We have attempted to contact Key Bank and have also disputed these accounts with the credit bureaus. Due to our disputes, XXXX  has updated their reporting showing two of these accounts as " PAID IN FULL WAS A CHARGE-OFF '' and the third account was deleted entirely.
Product: Checking or savings account

An ex XXXX employee stole my debit card info. I reported it to Wells Fargo and they denied the claim within a day. The amount stolen over a 6 month period was {$35000.00}. Wells Fargo 's claims team stated they couldn't prove i want involved and didn't approve the transactions. Why would I take my own money? 

I filed a police report, told them who i thought it was. The detective investigated and found proof it was her. She was arrested with XXXX charges of financial identity fraud. These are felonies and she could get up to 30 years. The attachment I'm sending is the police report along with her arrest information. She had to have a cash surety bond to be released on bail. 

I contacted Wells Fargo today. The detective brought me the report yesterday. I told them i wanted to reopen the claim now that there's proof. They stated, no they weren't going to reopen the claim and that i should call XXXX. I worked hard for that money for someone to take it and then for my bank to accuse me of being a conspirator. Again, why take my own money?
Product: Credit card

The condition of my credit report is causing me significant distress, and my disappointment is profound. The situation is not just highly embarrassing ; it is evident that either you or the company is accountable for reporting this inaccurate information. My history reflects consistent on-time payments, and I have never missed a payment.