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

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, Equifax and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX XXXX the manager in fraud with Capital one stated this account is not mines he has no record of this account at all. This account was verified numerous times and I told XXXX multiple times this account was fraudulent. They kept it on my credit report for a year almost reporting fraud. Both Capital One and XXXX are reporting an account that was open fraudulently harming my credit resulting in me getting many denials and inquiries because of the payment history. Ill will show all the screenshots I have taken of my credit to prove I tried to get this account removed multiple times and tried various ways to get it removed. I also spent XXXX hr XXXX mins on the phone with them to get no results but ran around to 5 different departments. Just for them to say call XXXX to have to remove it we cant do anything for you. We dont deal with credit reports is what The manager stated of Capital One.
Product: Debt collection

I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
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 Accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Mortgage

Freedom Mortgage has requested my insurance information a letter dated XXXX XXXX 2022. I contacted them and talked with XXXX. He provided me an email address and I forwarded my documents to him on XXXX XX/XX/2022. I then received another letter on XXXX XX/XX/2022, saying that the letter didn't cover from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and that if I couldn't provide coverage for those XXXX  days, I would be charged XXXX. I once again contacted them and sent information to them on XXXX XX/XX/2022, and I have provided an adjusted statement to them. I then received another letter dated XXXX XX/XX/2022 about not having coverage. This letter included an option to submit via online and I submitted once again on XXXX XX/XX/2022. 
I have provided insurance verification once again and awaiting approval, but how is it legal or ok for the mortgage company to purchase a policy valued at {$680000.00} and my mortgage is only worth {$120000.00}, and then want to charge {$7600.00} per year for said coverage. If this is not illegal, should I write my congressman and ask for a law to be passed concerning this issue. 
Then in the notices that are sent your only option is to call or fax. Who has a fax machine in there house anymore? Only on the XXXX letter did it provide an option to submit via online. 
All of this seems illegal.
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. 

Account Name : XXXX XXXX XXXXV Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all hard inquires removed of my credit report it. 

XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Checking or savings account

I requested my Chase Private Savings account be closed and the balance sent to me after closing my deceased father 's investment account and depositing the funds in the existing trust savings account at Chase Bank as Trustee of my deceased father 's trust. 

I submitted all of the paperwork at a XXXXXXXX XXXX  Chase Bank branch that they required in XXXX XXXX and was told the accounts would be changed. In XXXX I wanted to check the balance and I was informed they had not changed over the account and it took another 3 visits to a Chase branch in XXXX, XXXX, where I live, to get the account changed over. Once that was finally done I asked that the account be closed once all of the funds from the investment account to which it was linked had been deposited. I verified that the funds had been deposited by XX/XX/2024, but was told that to close the account it now had to go to " the back office '' to be processed because of the large balance. I was told on XXXX XXXX XXXX  that the check would be processed and mailed to me within 10 business days. When the check did not show up, I tried the Chase customer service line and was told it had never been processed or sent. After repeated attempts to speak to a supervisor I was denied each time and told, once again the check would be processed and released by the end of XXXX to the beginning of XXXX. I also contacted my local Chase Bank Personal Banker who was also told the same information and had even received an email in early XXXX stating check was being processed and would be sent in early XXXX. As of XX/XX/XXXX I have not received the check and we contacted our Personal Banker and he was told the check had not been processed and now they would not give any date as to when it would be. The account balance is {$410000.00}. I have no control or access to this account or these funds. I was told the account is now closed though I have never received a bank statement showing that.
Product: Debt collection

XXXXl XXXX XXXX XXXX were paid the whole amount from the insurance company, they stated that the business did not pay them the money from the insurance company, Proficio financial services claimed the business I was managing kept the money that the insurance company paid. 
XXXX XXXX XXXX XXXX were paid the amount of {$3800.00}. 
This is not my personal debt, I never have an agreement or legal contractual arrangement with XXXX XXXX XXXX XXXX 
the insurance company approved {$3800.00}. and the business paid {$3800.00} to XXXX XXXX XXXX XXXX
Product: Credit card

I believe the account is invalid. BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Barclays # XXXX.
Product: Checking or savings account

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my XXXX account with Citibank XXXX XXXX unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affidavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affidavit for a decision to be made in regards to the fraud investigation. I called the Citibank XXXX department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I received the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additional information, and only left a general line to call with questions. 

After submitting several official complaints to Citibank, I received a letter on XX/XX/2022 informing me of their ruling. Citibank once again denied my claim citing that no new information was received or discovered that would change the denial decision. This is again, unacceptable and erroneous, as I have provided my bank statements from XXXX showing that the sum in question was removed from my Checking account on the date specified. I am happy to provide this information again to the proper sources.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and XXXX. 

Experian did corrected few items from my report but no action from XXXX and XXXX. 

There is almost 100 point credit score difference between Experian and XXXX.
Product: Consumer Loan

They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.
Product: Debt collection

I have an XXXX XXXX XXXX that was paid on time. 
New bill arrived 10 days ago. Within two days, dunning robo calls began daily at about XXXX XXXX. 

Called customer service and set up payment date for end of month. Still calls are occurring XXXX days a week. 

Company is USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directed against three companies listed below, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian Both of my credit reports with Experian and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not Experian ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My Experian report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both Experian and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to Experian and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these XXXX credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and Experian did not perform a good-faith investigation.
Product: Debt collection

On XX/XX/2019 I went to the emergency room of XXXX Hospital  in XXXX, Ohio. Soon after that visit, I received an invoice for approximately {$600.00} for the emergency room fee, which was paid immediately. On XX/XX/2019 I received an invoice in the amount of {$240.00} from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. ( XXXX ). The invoice had written on it " Final Notice. '' This was the very first invoice I received for this amount and the invoice did not reference what it was for, just said services at The XXXX Hospital. I called that company and asked them why their invoice says Final Notice when I hadn't received a first notice. They offered no explanation and asked if I wanted to pay the bill over the phone. I said " no, I need to investigate this charge. '' I then called XXXX Hospital and found out they use this billing company and the charge was for the doctor 's fee. On XX/XX/XXXX I sent this company {$100.00} toward the {$240.00}, as I wasn't even sure if it had been submitted to my insurance. Then, on XX/XX/19 I receive a call on my cell phone from HRRG ( whom I had never heard of ) and they asked for my date of birth, which I refused to give as I work for a XXXX  and am familiar with fraud. After arriving home on XXXX I see a letter from HRRG which indicated they were a debt collector and telling me I needed to pay {$240.00}. I then called HRRG and tried to explain the above events and they refused to acknowledge anything. They had no record of the {$100.00} payment I made, but I then paid the remaining {$140.00}. The person on the phone asked me to give her my address. I told her that the address on the letter they sent was my address and why did she need me to give it to her. The whole thing was a horrible experience and they used scare tactics to get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Excessive inquiries on my credit report. Only the XXXX  inquiry from XX/XX/2022 is accurate. Requesting all other inquiries removed, as I never initiated them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX D.O.B : XX/XX/XXXXXXXX  S.S.S. : XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make suer that my private information isnt shared which is backed by 15 USC 6801 It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protection of security and confidentiality of the customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained how the consumer nondisclosure option. Not only 15 USC 1681C ( a ) ( 5 ) Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s 2 ( A ) ( 1 ) 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 the information is inaccurate. 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports purpose listed in section 1681b of this title. XXXX and XXXX ( Are Not Reasonable Procedures ). 15 U.S Code 6805 Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq ] this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer of Financial Protection. 
I am opting out of your reporting services and following agencies. 
Please remove the list of the following : Remove any old or duplicate addresses from my report it is a non-mailable address. 
Remove any old or duplicate phone numbers Remove any variations of my name that are incorrect Place a security freeze on all your reports Sincerely, XXXX XXXX This is not a 3rd Party Agency
Product: Bank account or service

I live overseas, and I 've been dealing with JP Morgan Chase, who closed an account overdrawn and due for a refund, which they would not process from a vendor due to microtransaction withdrawals being denied. They then proceeded to close my account after 60 days as " charged off '', even though I received confirmation from the vendor the refund went through, meaning I had a positive balance of US {$310.00} in my account. Chase refuses to re-open the account, nor will they mail me a check for the balance owed. I 'm currently living overseas, spent over an hour on the phone with their Deposit Account Recovery Team, who said they are unable to help any further and referred me back to Customer Service, who repeatedly tell me to contact the Deposit Account Recovery Team, despite my continual reminder of their inability to serve my needs. They 've trapped me in a loop of referrals in which no one will serve the complaint, and they owe me money, while continually charging me fees and interest on my credit balance, which has accrued by over {$200.00} since the issue began.
Product: Credit reporting or other personal consumer reports

This account from XXXX is being reported inaccurately on my credit report. This account was sold TWICE to a third party collection agency. This account was PREVIOUSLY removed from my credit profile, due to being reported inaccurately and they has been added it back to my credit profile again which is a violation of my consumer rights according to FRCA Section 611. and FRCA Section 604. I have sent a cease and desist letter to the creditor and each credit bureaus. According to law, information has to be reported accurately on all three bureaus and Experian has not complied, because they have inaccurately added this collection account back to my profile. Please remove this account from my credit file once and for all. XXXXXXXX XXXX XXXX the account number is XXXX the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX