23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX of XXXX for a credit card inquiry. This is showing on a credit report pulled when I refinanced my home. I only gave them permission to pull this once. I called the bank to get this rectified but all they told me they could to was send an email. I am wanting this taken off my credit report as they illegally obtained my credit report without my knowledge for a second time. I spoke with XXXX a supervisor who is the only one working for Chase as he expressed no one else can help me. The staff was super rude to me and did not help. Told me I could write a hand written letter to corporate if I feel strong enough about the situation when they illegally pulled my credit for a second time. I also called and told them I did not want the card as they took way to long to respond and they sent me a card anyway.
Product: Credit reporting

They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the XXXX law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. XXXX has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Product: Checking or savings account

Attempted to open a bank account with Simmons and was told I wasnt able to and they were not able to tell me why because they didn't know that information and to get in contact with XXXX XXXX and see what I need to do.
Product: Vehicle loan or lease

This is the letter I have sent out after multiple visits and verbal talks in person about the situation. 

Hello, My name is XXXX XXXX To whom this may concern My credit/consumer report has been approved from your company for a auto loan for NOWCOM/XXXX XXXX auto center. I have been to XXXX XXXX auto center multiple times my down payment is {$500.00} towards westlake auto loan on the contract that is given to dealer XXXX XXXX auto center but I have been rejected multiple times from XXXX XXXX salesman to put more money down. I stated what money I have down and I also stated previously that there is no law saying I am required to pay a down payment also I stated. 

XXXX XXXX XXXX - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that specified down payment, by the creditor who advertises his services.

15 USC 1605 ( A ) determinations finance charge defined- except as otherwise provided in this section, The amount of finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

12 CFR part 1002 - equal credit opportunity act regulation B protects application from discrimination in any aspect of a credit transaction. Includes consumer credit, open-end credit, credit applications, standards of creditworthiness, denial credit, revocation, alteration, or termination of credit.

12 CFR 1002.7 Rules concerning extension of credit : A individual accounts a creditor shall not refuse to grant an individual account to a creditworthy applicant on basis of sex, material status, or any other prohibited basis.

Consumer credit protection act, there are numbers of provisions that were enacted under the CCPA including the truth in lending act, Federal wage, Garnishment law, Fair credit reporting act, Equal credit opportunity act and fair debt collection practices act ECOA - The Equal Credit Opportunity Act : Is a federal civil law that forbids lenders to discriminate against loan applicants for any reason other than their ability to repay.

After this was stated weeks later I received additional information from XXXX on my approval that I was able to put down {$500.00} down but the next day talk to XXXX rejected me to put down more. I need accurate information about my credit and my approval on the contract my personal information is confidential and my time is very valuable my job and other responsibilities depend on transportation. Thank you and hope to here from you soon Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Ally Financial XXXX XXXX XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that Ally Financial " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at Ally could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My XXXX XXXX dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Product: Checking or savings account

They froze my account and have denied access to my money arguing they dont have my id. Ive e mailed it 3 times and now they say they have it but their records need all my documents verified. I am traveling and there is no branches of Citibank in XXXX XXXX, Ca. I cant provide the info they need with the XXXX  they sent and they wont let me write a check to leave their bank and move to another bank. Basically they froze my account without reason and without a legal right to do it and they dont let me leave their bank bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS DEBT MULTIPLE TIMES BUT EXPERIAN IT IS STILL SHOWING ON MY CREDIT REPORT STATING THAT I LIVED AT : XXXX XXXX XXXX, XXXX XXXX, CA. 

I HAVE ATTACHED A LETTER ALONG WITH EVIDENCE THAT ADDRESS DOES NOT EXIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-2 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 the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c FRAUDULENT & INACCURATE ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The bankruptcy listed on my credit report is inaccurate. The case you are reporting as valid and accurate is, in fact, incorrect. I have never been involved in a case that went to trial or was adjudicated. There has never been a judgment. Without a judgment, there was never a case. A judge never presided over any such matter, so it is puzzling why it is being reported. 

I request that this account be promptly removed from my credit file. 

Bankruptcy XXXX XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed Ability Recovery Ser. On my report and have never had any medical services with them.
Product: Debt collection

I don't recall this debt from XXXX and not enough information to verify debt
Product: Credit reporting or other personal consumer reports

Loan was behind on payments, creditor requested past due amount be paid by XX/XX/XXXX or account would be charged off. Payment was made in full for past due amount on XX/XX/XXXX, effective XX/XX/XXXX. Creditor charged loan off and is reporting as past due collection. Payments since have been on time however creditor is reporting as past due collection. 

I am unable to get XXXX XXXX loan for my daughter having this on my credit. Knowing this is why I made sacrifices to get loan paid current by deadline. Highly disappointed they chose to put in collections despite receiving payment by date requested.
Product: Debt collection

I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Given my strong history of punctual payments, this late payment should not be reflected on my account. Please remove it and update my records accordingly.
Product: Bank account or service

I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.
Product: Checking or savings account

On XX/XX/year>, it was reported to Wells Fargo Fraud Division that there were 101 unauthorized debit card transactions, which I became aware of when I went to the grocery store and my debit card, linked to my checking account, was declined. Debit card was cloned with a skimmer device and utilized repeatedly. During these times, I was at my mother 's senior living center caring for her. Multiple people see me here every day. Wells Fargo denied the claim and refused to refund my money in the amount of XXXX. I called and filed another complaint on XX/XX/year> with the Escalated Claims Division and they sent me a letter denying the claim again. They refuse to acknowledge that a chip and a debit card can be cloned and used fraudulently.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency XXXX, XXXX, and TransUnion is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, I applied with 2 banks ( XXXX and XXXX ) for a home equity loan. Both banks informed me that they were unable to access my credit report from Equifax. I was told that they both received an error that said something to the effect of : 'fraudulent application alert '. I was told to contact Equifax to fix this issue. From Thursday to today, I called Equifax about 6 times. Their customer service reps are repeatedly telling me that there is NO block, freeze or any type of hold on my report and there is NO reason why the banks are being blocked from accessing my report. The last supervisor I spoke with was XXXX, employee ID # XXXX, who also assured me that there are no holds on my report. We verified all identifying info on my report and it all matched what the banks have. The banks have attempted to run my report 3 more times and they're still being blocked from doing so. Being that both banks are having the same issue, it's rational to believe that this issue is an Equifax technical error that they have failed to resolve.
Product: Checking or savings account

Please link my Pnc checking account with my XXXX  account
Product: Debt collection

Upon cancelation of services with XXXX XXXX, they began to send me a false bill for the month after I canceled and returned the equipment. I stated to them I felt it was in retaliation for canceling and apparently this is a problem with many other people who also canceled with then. Part of their retaliation was to send the false bill to a debt collector who calls me now just about everyday for the last few months. Sometimes twice a day. I have reached out to them after they sent a letter about this false debt het they continue to call me daily.
Product: Mortgage

I was approved for a loan modification with XXXX XXXX XXXX, XX/XX/year>. I had a trial period for XXXX, XXXX and XXXX of XXXX. In XXXX the modification was completed and FedEx to me which I got notarized and sent back to XXXX  XXXX who then sent everything over to Selene Finance. Now Selene Finance are saying they did not receive any of this! I called the loan mitigation XXXX at XXXX, her and her supervisor stated they have sent everything over to them regarding my account including my payments since XXXX and the new loan modification. I emailed Selene Finance the same thing and they have yet to fix my account as of XXXX. Still not giving me credit for 3 months of payment and still not honoring the mortgage modification. This has been a complete nightmare. Every review I have looked at regarding Selene Finance has only negative. Every person has similar issues regarding their accounts with this company that is fraudulent and unethical behavior.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am exercising my right to have these fraudulent entries removed. 
Fraudulent Accounts : XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX - XXXX - $ XXXX XXXX  - XXXX - XXXX - $ XXXX BANKCRUPTCY - XXXX - XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bank looked like any other branch from the car as I approached. I parked my car and got out. I tried the ATM and my transaction was declined. I went inside and the employee told me that the branch does not have cash and that I should try to ATM. I tried the ATM several more times and it did not work. Since the branch did not keep cash other than what was in ATM, I was unable to get the cash that I needed. My balance was more than sufficient to cover the withdrawal. I received no automated way of clearing up the declined transaction. When I called the number on the ATM screen, they explained that it had been suspected fraud and that I could try again. But by that time I had to leave. This is was extremely inconvenient for me and I feel that a bank should be required to allow a customer to withdraw cash on demand if it is during normal business hours. I do not accept these new cashless branches that Chase is rolling out.
Product: Checking or savings account

It appears that on XX/XX/22 a checking account was opened with Bank of America in my name using my SSN. I called the fraud department of BoA on XX/XX/22 and the confirmed that someone opened an account with my SSN. ( How they can even be allowed to let people make accounts online with just a SSN is beyond me and should not be allowed. ) They would not give me any info about the fraud and simply said the account was now frozen and will be closed pending them receiving a filled out form they are mailing to me. I do not feel this is enough and need to file a complaint about the fraud made in my name. I will be following up with a police report. Please look into this and please help me. Thank you.