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

I am complaint on the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered that fraudulent accounts had been opened in my name without my knowledge or consent. Upon learning this, I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), submitted a police report, and provided TransUnion with all required documentation to dispute and remove these unauthorized accounts from my credit report, in accordance with FCRA Section 605B. Despite my diligent efforts and compliance with the necessary procedures, TransUnion has failed to take the appropriate actions to block or remove these fraudulent accounts, allowing derogatory marks to remain on my credit file. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained.

TransUnion has failed to fulfill its obligations under FCRA Section 605B, which mandates that fraudulent information be blocked within four business days of receiving proper documentation. To date, the fraudulent accounts and derogatory marks remain on my credit report. XXXX XXXX accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that TransUnion has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.
Product: Credit card or prepaid card

To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully discharged as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my  creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!
Product: Debt collection

My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.
Product: Vehicle loan or lease

On XX/XX/year> I completed a refinance of my auto loan to Capital One in the amount of {$20000.00}. I was instructed to keep paying my former lender until my balance reflected XXXX and the payoff was received. On XX/XX/year> I made my first payment to Capital One for {$460.00} and also had to make payment to my previous lender. As of XX/XX/year> my previous lender still has yet to receive the payoff check. I called Capital one refinance department and spent an hour on the phone and conferencing in my previous lender for them to get a new payoff amount and the proper mailing address. I was then informed the payoff check would be overnighted. AS of today XX/XX/year> that payoff still has yet to be received and my next payment to my previous lender is coming up due. Additionally, the payoff amount is increasing by {$5.00} daily so well above my originally financed amount and it appears as though I XXXX auto loans for the same vehicle on my credit report so my XXXX XXXX has dropped XXXX points.
Product: Credit card or prepaid card

I not receiving my benefits that XXXX, & Unemployment are sending me can not seem to talk to anyone about this matter it very frustrating when u have money and can not get to it. The name of this Bank is KEYBANK all cards have the same # `s XXXX! Need help obtaining my money. When calling it leaves u on hold for hours and thats not fair to me and when they pick up they hang up. So please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about multiple fraudulent and unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent or knowledge, and their presence is negatively impacting me as it might suggest potential identity theft.
Product: Credit reporting or other personal consumer reports

I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> Received denial letter from Wells Fargo for the XXXX XXXX XXXX I never applied for this card. Denied because I have a freeze/fraud alert on my credit due to multiple breaches. 
XX/XX/year> Contacted Wells Fargo. They are putting an internal alert. They told me the application was submitted online XX/XX/year>. 
I have never done business with Wells Fargo.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/year> around XXXX am, I requested Merrill Lynch a wire transfer for a closing of home purchase. It was an online wire transfer, I paid {$25.00} for the same day delivery service. 

At the end of the day, my attorney told me the wire is now showing on his escrow account. 
I called Merrill Lynch customer service to ask why my wire transfer is taking so long and when my wire is going to arrive to the recipient and they told me my wire request has been reviewed and approved for a transfer, so it is guarenteed that the recipient should get it by midnight. 

The weekend has passed and I checked my wire status on Monday, the wire was still incomplete. 
I visited a branch and a financial advisor called the corresponding department to track down the wire, and it turns out the final approval is still in progress and it is not guaranteed when it will actually be completed. 

My closing was supposed to take place at XXXX on that day, and the wire did not go through until the end of Monday so my closing is adjourned, It is Tuesday now, Merrill Lynch is telling me that the fund is now being reviewed by federal government so they can not cancel or retrieve the wire and can not do anything at this point. 

Now they are blaming me for not making a transfer earlier, and for not contacting their " right department '' for wire transfer. It is ridiculous I just followed the regular procedure as any other bank 's online wire transfer service would tell me to do. 

Now my closing is jeopardized, I do not have my new the keys to new home, I can not move out of my current apartment while my landlord is telling me to evacuate soon.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX  # XXXX XX/XX/year> -- {$2500.00} XXXX XXXX  # XXXX XX/XX/year> -- {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX   which is a major violation under the FCRA and FDCPA.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I reached out to PNC BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, he stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to their legal department for review. I have not heard back from the loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.
Product: Credit reporting or other personal consumer reports

Tried to apply for a checking account and saving account with XXXX bank. I got denied.They said it was due to the following consumer reporting agency report that was provided by ChexSystems, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX There is no reason why i should have gotten denied my credit score is at a XXXX my utilizations is at XXXX percent and i have been working on my credit to get it back up to where its at now. Please check into this because its affecting me financially.
Product: Credit reporting or other personal consumer reports

Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
15 USC 1681 Section 602A : Protects my right to privacy.

15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes.

15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information.

15 USC 1681s-2 : Prohibits furnishing 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.

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Product: Checking or savings account

I opened my account on XX/XX/2022. The following day, I received an email stating that my account was locked and to contact customer service. I first emailed and was told that they could not help me unless I emailed them " a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. '' ( As an aside, I used an XXXX email alias as my username as I generally avoid re-using usernames across financial accounts for security purposes. I am able to reply to emails sent from this XXXX alias, but not to send a new email. I was unaware that this could pose a problem when I opened the account. ) While I understand the need to verify a customer 's identity, it is not safe or secure to send the requested type and amount of personal information by unencrypted, regular email. Instead, I called customer service and was told that my my account was suspended due to a violation of the terms and conditions. Please note, I had not conducted any transactions on the account or used it in any way. The only possible transaction was a trial deposit from my other bank to link the accounts. I had already verified my identity during the account opening process ( including giving my drivers license and a selfie, as requested ). 

Nevertheless, the representative on the phone told me that I needed to verify my identity to request the suspension be lifted, again by sending via unsecured email : a picture of my driver 's license AND my passport, the last four of my social security number, and an additional proof of address, such as a bill. I asked whether there was a secure message portal I could use to submit this information and was told no. The only way to send this very sensitive personal information is by unsecured and unencrypted regular email. There are absolutely zero cybersecurity experts or organizations that endorse using regular email to send your social security number, driver 's license, passport, or other information as this information could intercepted and used to steal your identity. It is shocking to me that Chime, as a tech focused company, does not have a secure way for its customers to communicate sensitive personal information. 

After the phone call on XX/XX/XXXX, I decided I was not comfortable risking my identity by sending the requested information unencrypted and replied to the email chain asking Chime to close my account. Instead of a responsive reply, I received another email asking me to send my personal information by email before they could assist me. It has been more than a month and I have not received confirmation that the account was closed. 

I am concerned that Chime has not followed my instructions to close the account.
Product: Debt collection

I don't believe I have a debt with this company. I believe this is a scam, especially with some of the threats, urgency, wording and grammar used. I've attached the email exchange. They replied to me with similar-styled responses without addressing what I asked for.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts have inaccurate reporting, amounts, and dates.
Product: Mortgage

I was working with the Lakeview Loan Servicing since the end of XXXX of 2021. I wanted to refinance my home at a lower rate. My loan officer was XXXX XXXX. He told me that refinancing process will be easy and would not take more than a month because I was an existing customer and the company had all my records. He told me to make a XXXX payment and skip the XXXX payment. On XX/XX/XXXX I called mr.XXXX. During this conversation he told me to make the XXXX payment and dont worry about the late fees. He told me that the late fees would fall out once the refinancing process is complete. I mailed the payment the same day. After that, I have not heard from Mr.XXXX at all. I left multiple voice mails and emails but he was unreachable. On XX/XX/2021 I found out ( from another representative ) that my loan application was denied because of the late payment in XXXX. The same day I spoke with the Vice President of the company - XXXX XXXX. XXXX XXXX promised to take a look at the situation and call me back the next day. I have not heard from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the 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. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for XXXX XXXX, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification! 

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX
Product: Checking or savings account

My chase account had about 31 unauthorized transactions in the total of about XXXX dollars, Someone made the transactions through XXXX XXXX, some one connected an unknown device to my account and made transactions taking money out of my account! 

Chase said they sent me a fraud email and they told me it was authorized! I told them I never received it, I went through my email with chase and we seen that the email was never open or clicked on! 

They told me I need to contact XXXX because someone must have hacked my account! But thats not enough evidence to open my claim! 

I ask chase can the trace where the transactions were made from, like a state, city, ip address or even a device. The didnt answer the question!! 

I reported this and the closed my case in one day and say it was me that mad the transactions! Said there is nothing they can do!
Product: Checking or savings account

I called us bank to dispute a transaction and i simply informed them that the items ordered was not delivered so i would like to dispute that transaction ... ..the lady on the line took care of it and the card was working fine ... ..i wake up this morning to realize that they marked my card as stolen, i didn't ask for the card to be set as stolen, all i asked was to dispute a transaction. i do have a business that i run and all transactions from XXXX XXXX till XXXX XXXX  the next morning when the nearest us bank opened were rejected. i called to simply have the card re-opened because it was not stolen and it was not that simple and us bank refused to help