23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XX/XX/XXXX Chase XXXX Marriott credit card statement showed a charge as follows : XX/XX/XXXX XXXX  XXXX {$410.00} I have never dealt with this company and did not make the purchase. I called the phone number on this line item for the company and could not reach a live person and left a voice mail requesting a resolution to a billing error- they did not respond. I called Chase card services to report the error and they credited the amount and said they would report it to their fraud department. New card was issued with different account number. 

My XX/XX/XXXX statement under the new account number showed the charge reinstated with the same detail as above. I called Chase card services to complain and the person said that they could not remove the charge again but would submit a new complaint. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explained how this determination was reached. 
I called Chase card services to complain again and a new complain file was issued. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the exact same statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explain how this determination was reached. They added the statement " we closed the fraud claim and won't respond to requests for additional reviews unless you provide new information '' No comment was provided to suggest what 'new information ' was needed from me. 

Throughout this process- when i have called Chase Card Services, the customer service person is unable to connect me to anyone in the fraud review process to discuss the missing details on this product order or what new information can be provided.
Product: Checking or savings account

I open my account with a financial institution be called Navy many of the banking federal laws are not being followed to my account my accounts are not in uniform code my balances don't have reference numbers they are not provided accurate information in regards to my transactions on my account I have put in several complaints in regards to the laws not being followed I have tried to resolve the issue several times. I have contact Navy Federal over 50 times in the past several months in regards to inaccurate balances transactions and my account not being in uniform code my statements are fraudulent and they have been altered. They need to be immediately investigated I have proof of the statements that have been altered
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX along with ( I.C SYSTEM, INC ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

They stole XXXX $ from my account that was deposited and accepted and processed time after time. They refuse to provide proof of their sending back the funds to the issuer of the money order when the tracking number in the issuers site appears to say money order cashed and processed.
Product: Mortgage

I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.
Product: Checking or savings account

My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.
Product: Mortgage

Complaining about the house on XXXX XXXX XXXX XXXX Alabama XXXX the reverse mortgage NOVAD has refused to issue the money to repair the roof that was damage last year storm the insurance sent a check with MS XXXX XXXX and NOVAD name on the check therefore MS XXXX was unable to cash the check the check was sent back to NOVAD so they would remove their name NOVAD from the check this was not done Presently the house is leaking each rain fall the insurance can not do anything because they already issue a check and NOVAD is holding the check claim number XXXX XXXX XXXX is the owner the insurance is XXXX contact person XXXX XXXX phone XXXX this is an EMERGENCY please advise
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. 

XXXX : # XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX 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 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: Debt collection

I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX  XXXX. Like a thief in the night, unseen hands had stolen my XXXX information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from ATG CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXX/XX/XXXXXXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Checking or savings account

on XX/XX/XXXX my account was hacked and transferred XXXX from my sons account to mine which was linked. i notified the bank right away and was on phone for 86 minutes. they credited my account and my sons account. after three weeks they took the money back from my sons account. i XXXX him the money back of XXXX on XX/XX/XXXX which he was lost. then they took the XXXX back fron his account on XX/XX/XXXX saying he has to satisffy the negative account. i called chase numerous times and they keep giving me the run around and say its two different cases. its one case and all the records that were showing up on the accounts were deleted. my account showed a credit of XXXX and now its gone. i asked for the phone records of XX/XX/XXXX and they say its deleted. i have spent hours on the phone and visits to to the branch. i keep getting pushed from department to department. all i ask is for is to look at all the accounts and transactions and they say they cant cause the account is closed. my sons account was stolen of XXXX and no body is doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inquiries since at least XX/XX/2017 I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to TransUnion they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
. I have sent to TransUnion their required information they requested to have the inquiries removed from my previous dispute, and still they are on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, 2017, XXXX XXXX XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

This is the third company that has tried to collect this Zombie incorrect debt from me. The last was handled by the CFPB on my behalf from XXXX XXXX, who it looks like sold the " debt '' to Creedance. They have killed my credit report and refuse to validate the debt. 

There is no basis for the debt and I have never had an account with creedance. Two former collections agencies have failed to validate the debt properly and I am sure Creedance is unable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX RepsXXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account. 
Too many hard inquiries 'lowers ' one credit score.

Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made.

I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Found & disputed open " Line of Credit '' Account ( " XXXX '' ) w/BB & T on XXXX   XX/XX/XXXX XXXX reported ( Report # XXXX ) " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX Called BB & T Branch I formerly ( XXXX ) had relationship with @ XXXX XXXX XXXX, XXXX, VA XXXX ; spoke to XXXX XXXX who knows me well ; explained that BB & T was showing me with an open account & asked that that be corrected ; she advised that she would 'have to check with her manager. ' XX/XX/XXXX Sent letter to " Bank Manager '' at above address confirming my conversation w.Ms. XXXX and again explaining the problem w/copy of XXXX report & copy of BB & T " New Account Opening '' form showing " Account Options/Overdraft Protection Provided by XXXX '' XX/XX/XXXX. Requested that all 3 Credit agencies be advised that the account was Not active. 
XX/XX/XXXX XXXX continues to show this as an active account, and I have had no response from BB & T. All documents mentioned above can be provided.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and they requested the account be inserted for a few months and the information hasn't been added to my report. Experian is not reporting XXXX XXXX charge card that I'm an authorized user on. The account ends in XXXX. It was last report XX/XX/24 and will be reported again in XXXX however Experian isn't reporting at all.
Product: Checking or savings account

The company i'm filing a complaint for is BBVA USA. On XX/XX/XXXX they transferred all customers from a now shut down bank called Simple into their service. The transition failed and now many thousands or more customers are struggling to try to get access to their accounts and to their money. BBVA USA customer service has been terrible or non-existent. They consistently hang up on customers when they tried to call and get the transition issue resolved. Their website has countless errors when customers try to enroll online or in their mobile app. They locked almost everyone out of even being able to try to login. This needs to be looked into so all these people can have access to their money and banking again. It is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX reported to chex system that there was suspicious activity with my account. that information is 100 % incorrect.. I was a victim of a payday loan scam. I cooperate and provided documents to XXXX  XXXX XXXX, the name of the person who who did the scam and activity. Nobody from XXXX XXXX XXXX ever contacted me from my side of the story I had to contact them and provide documentation of who the person was and what company they came from and I was about that XXXX XXXX XXXX reported negative and inaccurate information to check system and now I cant open a bank account anywhere
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing the house with that being said the realtor notice there were derogatory account listed on my report. I am not aware of any negative accounts because Ive never been late on any bills. Ive always paid all bills on time. For some reason the accounts and inquires listed in the file below werent authorized by me. I am demanding removal for this is destroying my character and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number.  Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Checking or savings account

one year ago XXXX or XXXX dollars Disclose account or Disclosure account
Product: Debt collection

all three credit breaus sent letters out XX/XX/2024 dispute all collections accounts
Product: Credit reporting or other personal consumer reports

Requested security freeze on information in their files associated with MY social security number
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN, XXXX, XXXX credit reporting agency , 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 under the account number ( XXXX ), a personal credit card account opened at XXXXXXXX XXXX under the account number ( XXXX ). These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, and OR collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My XXXX XXXX Credit Card was stolen in XX/XX/XXXX it is now XX/XX/XXXX and they are just not refunding me for the monies that was used they forgot to include one of the charges now they are showing late payments on my credit report I paid this account balance to to a XXXX balance In XX/XX/XXXX and XX/XX/XXXX as a result of XXXX XXXX mistake I now have to late payments