23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got an email stating the following below : Important : Please contact us To protect against fraud, we restricted and may need to close your account soon. 
XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : 9705 We understand this is inconvenient, but protecting against fraud is a top priority.

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 



I called customer support and spoke to someone and they stated that I cant retrieve my funds in my account online or at a branch. I will be issued a check and can no longer open an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Product: Credit reporting

Experian is continuing to report outdated information on my credit reports which violates the FCRA. Accounts are over seven years old, or have been more than seven years since any activity. 
XXXX acct # XXXX no activity since XX/XX/XXXX XXXX account # XXXX car was voluntarily reposed in XX/XX/XXXX all of the above accounts are past the statute of limitations ( XXXX ), but experian has still not removed the items from my report and they continue to report as current delinquent accounts.
Product: Debt collection

I received a notice from a collection agency regarding a medical bill, but never received a medical bill from the hospital.
Product: Mortgage

I called Newrez to ask why they haven't paid my XXXX XXXX company, when they are collecting money in the escrow for paying my house Insurance, please see the attachment, I called the customer service but they were going on with the jargon- we are debt collecing company, and then later " California consumers have certain rights, and these are pretty long sentences, asking all of my info, and then later asking me to pay three months of payments, they did not entertain my question on the payment of house insurance. 

This company is like a leech, who just wants to XXXX as much money as possible from the customers, their long sentences jargon is used with the customers so that customers get irritated and fedup and hangup the phone, This is ridiculous, who has so much time to listen to a two 10 minutes jargon, and when I am already making payments on time, what three months of payment they come up with everytime? 

I am going through XXXX right now, and Newrez has no sense how to handle customers.
Product: Debt collection

Company known as portfoliorecovery has repeatedly reached out to my girlfriend several times since summer XXXX and as recently as XXXX XXXXXX/XX/XXXX. About an outstanding balance I have with them. She an I do not share any fiscal responsibilities together. We do not have accounts together. We never cosigned anything together. She has told them several times to stop contacting her. To contact me instead. Yes I owe a balance, but that doesnt mean they can harass people in my life.
Product: Credit reporting or other personal consumer reports

My credit card was fraudulent used and when I tried to deal with the company about they disregarded my complaints
Product: Consumer Loan

I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. 
calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened case XXXX with the CFPB to request closure of TD credit account. I attempted to call TD bank and had issues getting through. I finally got through to a representative to close my account but she never closed it. Subsequently, I reached out to the CFPB for assistance. I received a response back from the CFPB that TD Bank closed my account but it remains open with a {$10000.00} available credit limit. After the CFPB informed me the account had been closed, I shredded the card. I only have the last 4 digits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/XXXX {$650.00}
Product: Credit card or prepaid card

When attempting to link my Capital One Credit Card it will not allow me to link my card to my trim account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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
Product: Credit card or prepaid card

My first problem is bank of America. I was late or did not pay correct amount with my recent payment and the bank decreased my credit line down from {$10000.00} to the current balance causing me a problem with paying a repair bill. This is the first time being late or what excuse they want to say. what ever happened to grace periods for payments? 
This happened on Monday XX/XX/22 when I tried to pay for a car repair and was declined. I then checked my account and found that the bank had lowered my credit with no warning and did not get advised until XX/XX/22. This should not happen the first a mistake is made it should when payments are behind more then 3 or more times people are fallen on hard times these days.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information to my consumer profile and I have made them aware of this for the past XXXX  months since XX/XX/XXXX. This is regarding a XXXX  XXXX XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to 30 days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Equifax responded back by updating the account information as verified. 

Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the 15 day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the 15 days, which is a VIOLATION of the FCRA! 

So around XX/XX/XXXX, which was well over 90 days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant XXXX  score increase. 

But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING until XXXX XXXX XXXX? How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! 

At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!
Product: Mortgage

Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST.

I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! 

They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. 

After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review!

I have included THREE website links for you to see for yourself ( XXXX, XXXX  and Consumer Affairs ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. 

Then, SLS should be SUED for making so many people 's life so miserable! 

Thank you! 

XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Delete these accounts and inquires ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.
Product: Mortgage

I have tried vigorously to remove the Private Mortgage Insurance  payment with my lender, Mountain West Financial Inc, but have no results due to the lack of help and attention to my request since XXXX of 2019 to the present. I was forced to apply for a second time due to the fact that Mountain West Financial Inc during the time my first application was been processed changed the servicing of my loan from one department to another and my application was lost. Again I had no other choice but to apply again and pay once again for a new appraisal and BPO. Now that the appraisal and BPO was completed, the appraisal came in at {$460000.00} and my mortgage balance is at {$350000.00}. That puts me at 76 % LTV, under XXXX XXXX Guidelines, once you've built equity of 20 % in your home, you can cancel your PMI and remove that expense from your monthly payment. PMI will automatically terminate on the date when your principal balance is scheduled to reach 78 % of the original value of your home, again Im at 76 %. The way Mountain West Financial Inc has handled this matter is unacceptable, fraudulent, irresponsible, frustrating and I have no other choice but to seek help from your agency.
Product: Credit card or prepaid card

I got a personal loan from BarclaysUS credit company linked to my existing credit card account. I made payments covering personal loan and credit card charges in full. However, Barclays continues withdrawing money out of my bank account monthly, even though I removed the automatic payment option in its portal. My account number is XXXX I have called the company SEVERAL times, addressing my concern. I am told repeatedly that the investigation department is working on it. What work can be so difficult in reviewing paper work that I sent showing clearly that the transactions were made between my bank and Barclays! Plus, in the Barclays statement it does show the payments were received!! Up to date, Barclays has withdrew 3 payments {$550.00} each. This is AFTER I made my full payment bringing down my account balance to {$0.00}. I can put a stop payment from my bank. But, my concern is that Barclays can report lack of payment to the credit companies. I've worked very hard to keep a decent credit score and to cover my debts. It is not fair that a bank with its extent resources can not solve a simple problem that a competitive person can resolve in 5 minutes!! A case was open. # XXXX Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.
Product: Credit card

XXXX  data breach , credit cards interested going high 
companies looking at my credit report without my knowledge wrong address
Product: Checking or savings account

To whom it may concern, On XX/XX/2022, someone unknown to me issued a bill electronic payment from one of my personal checking accounts at Bank of America to make a payment to an XXXX XXXX account for the amount of {$30000.00} ( XXXX XXXX dollars ). 
On XX/XX/XXXX, when I logged in into my bank account and noticed the debit of such payment, I immediately called the bank to report this fraud. 
The bank gave me a claim number and stated it will go under further investigation and review. 
On XX/XX/XXXX I received a letter from Bank of America confirming that this fraud claim investigation was concluded and they would not honor my claim. 
I called the bank again and after long time of holding on the phone and being transferred multiple times, the bank resolution was made and there would be no further investigation. 
Not only it was disappointing how they handled this, but the institution did also not even attempt to help me any further after being a loyal client for almost 20 years. 
All my personal and businesses accounts were tied with this institution ( holding over 50 accounts ) for many years with impeccable reputation and being a preferred reward platinum honor client. 
In addition to this, the bank has a secure system and bill payment set ups are notified to the customer when issued or set up. This never occurred. I never received an email confirmation regarding the processing of the payment in question or even adding this vendor to my profile. 
After neglecting my claim to be escalated, on XX/XX/XXXX I requested the representative that took care of me over the phone, to send me proof and copy of the payment issued to start this investigation somewhere. I hereby attach such copy. 
After receipt of this proof via mail, I contacted XXXX XXXX and sought information and help. 
XXXX XXXX unfortunately couldnt help me as this is personal information to other customer. They could not provide me with details but a supervisor to whom I spoke with did confirm the account number linked to the trace number in the letter Bank of America provided as proof of payment was an XXXX XXXX account outside the United States. 

After reaching out to other parties in sought of help, I found out that this institution has multiple fraud cases pertaining bill payments. 
In sum, I spoke with my legal advisor who suggested to start off with a police report, then file a report with consumer services. 
My next step was to file a report with the police on XX/XX/XXXX. which I also attach to this claim. 

Given all this information, evidence and sequence of event, I respectfully request your review and help. 
This is money I have been saving for years. This needs and must be investigated further and I shall recover it. 
The funds have to be somewhere. 
I can be reached at any time. 
Your prompt attention to this matter is highly appreciated.