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

there was charged made to an account i applied for i never recieved the card and filed a police report EVEN though im NOT requeired under the FCBA and she rebilled my account all she had to check was where clean it supply was delievered and see not my address she made vile requests to go redue the police report which i didnt even have to file she violated my rights and rebilled me bc shes XXXX and im XXXX i need the XXXX to investigate her practices, my wallet was stolen at XXXX airport and used all over the place including my id and even traffic tickets where given under my name this is fraud and she is in vioaltion discover needs to be investagated iwas even out of state when this fraud happened coudlnt be 2 places at once included is my flight iterarty as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of XXXX. I have three medical bills that an out of network provider is charging without my prior authorization. Please see below Date and Amounts {$690.00} on XX/XX/XXXX of XXXX {$200.00} on XX/XX/XXXX of XXXX {$320.00} on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX- # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
Product: Credit reporting or other personal consumer reports

It appears someone has been using my information to apply for credit with companies : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Product: Debt collection

This agency started contacting me on XX/XX/2022 and haven't seem to stop calling me. I do not owe a debt! Commonwealth financial is a violation of the law. In code 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Sincerely, XXXX XXXX
Product: Mortgage

I am the Listing Agent of the home at XXXX XXXX XXXX MI XXXXThe Buyer made application with XXXX XXXX XXXX XXXX of Black Equity Lending NMLS XXXX on XX/XX/XXXX The appraisal was to be ordered within 5 days of application per the PA. 
The Lender has refused to order the appraisal. The Lender has refused to provide updates on the loan mortgage status and keeps referring me to the Buyers Real Estate Agent.
Product: Credit card or prepaid card

Bank has placed HSBC XXXX account a freeze and is requiring customer to visit a branch. The account is an HSBC XXXX account opened online and the customer has never been to a branch. 

The closest bank branch is over 300 miles away from the customer 's residence and the customer is unwilling to travel 300 miles to present his ID at a bank that opened multiple accounts for him online.
Product: Checking or savings account

Frost Bank Recovery reported Fees not paid on a closed account to XXXX  and early warning. The balance was paid ( receipts and confirmation of delivery attached ) they are refusing to update the information to clear the negative reporting of fees due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX XXXX XXXX XXXX  XXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX  and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Company still says debt is valid as well as accurate information on my report with proof. However the debt owed isn't correct so I'm asking for complete deletion from all reports
Product: Checking or savings account

Bank of America randomly closed my business for XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with my money in it on XX/XX/year> with no request for additional information or anything. I just received my debit card and found out the acct was closed when I tried to activate the card. This is a hinderance to my business and they could care less.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report in connection with 15 USC 16c-2. The inquiries were not authorized by me, and this is hurting my credit score. Please remove all unauthorized hard inquiries. Thank you.
Product: Prepaid card

I purchased an XXXX gift card for {$500.00} in early XX/XX/year> that was " bad '' compromised. I could not use the gift card at all ; all transactions would decline. 

I tried contacting the company ( XXXX XXXX XXXX XXXX XXXX ) and submitted all information they requested but they ignored me and never contacted me back. After calling them frequently for XXXX months, several XXXX representatives told me : " the case is closed and I won't get my money back '' without giving me any details as to why the case was closed or why I wouldn't get back my {$500.00} back. 

How can they do that?
Product: Credit reporting or other personal consumer reports

Regional acceptance is reported late payments on my credit all different in each credit bureau when they had already received payment from XXXX and the vehicle had been in an accident and was a total loss. They are careless and till reported payments late when XXXX had already sent them a pay off for my vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I.C. System states on my XXXX  report I have a medical debt collection of {$300.00}. I disputed this immediately due to the XXXX violation through XXXX XXXX, where it was immediately removed, but it was not removed on Experian, despite also disputing the report on there. I need this removed on XXXX  since it was already resolved with XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 i deposited {$2100.00} to my checking account. I originally attempted to make this deposit in the drive through ATM window. The machine was counting the new bills, I say this because they were crisp and sticking together which was the issue here., incorrectly. A car pulled up behind me so since I still had over {$1000.00} to deposit I pulled around to the front of the building to deposit the remaining {$1300.00}. The drive through ATM has taken {$760.00}. I didnt realize until AFTER I hit accept at the second ATM that I was short {$200.00}. I called the bank once they opened on the XXXX  only to be told by the bank manager that the ATM counts were correct with no more help. I filed a claim and was returned my {$200.00}. Today however {$200.00} was pulled from my account saying the claim was denied. I have two witnesses that watched me count the money for my daughters XXXX  account that state that there was {$2100.00}. I had them count it before I left. And now the bank is taking this money back? The money was crisp and sticking together. Unless it was physically recounted by the employees then a machine is of course going to keep sticking those bills back togetherI have this problem at my place of employment. I would not be pursuing this issue this far if I was not 100 % sure that I am being stolen from.
Product: Credit card

Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.
Product: Debt collection

On XX/XX/2019. I recieved a call from a XXXX at Wilber & Associates located in XXXXXXXX, IL. I missed the call and she left a message letting me know that I was involved in a car accident and that they are collecting on behalf of XXXX 's XXXX. When I heard the message I called her back and let her know I was never involved in an accident. She told me that there was a police report and that I was the driver that hit a parked car. Turns out that a car that I owned was involved in an accident hitting a parked car. The accident was in California I lived and still live in Tennessee and I had no idea because my sister had the car. XXXX lied about there being a police report. A number of phone calls later I repeatedly asked Wilber & Associates whose debt is it and I'm being told that " you are both responsible ''. I contacted Wilber on XX/XX/XXXX talked with XXXX and I let her know that I was looking into getting an attorney to find out my options and I also requested her to look into information surrounding the accident and she became beligerent by twisting my words, she said that Wilber isn't going to wait around for me to fight it out with my sister, she also said that she did not have to look into the accident because that would help my case and that I know what I owe so she doesn't have to let me know anything and that I just need to pay what I owe and they were going to give me to the end of the month to pay the full amount of {$5500.00}. After my phone call with XXXX on XX/XX/XXXX, she immediately calls my sister and tells my sister that I am going to sue her. My sister tells her to hold on and is going to call me on 3-way so that we can all 3 be on the phone. XXXX hangs up. My sister calls back to Wilber and talks to a XXXX XXXX who claimed to be the boss of XXXX 's boss. XXXX XXXX tried to convince my sister to take out a bank loan to pay the debt of {$5500.00}. After my sister 's phone call with XXXX I called to speak with him but I got a XXXX ( she was nice ) instead who forwarded me to a XXXX. XXXX wouldn't or couldn't verify questions about the debt. Wilber & Associates has been rude and using scare tactics on a debt that I'm not completely sure that I owe. I will be sending them a formal debt validation letter soon.
Product: Checking or savings account

On XX/XX/24, XXXX made a direct deposit of {$56.00} into my Venmo account. I tried to withdraw the funds via transfer to my XXXX account, as my money is never safe with Venmo, but when I attempted the transfer, it was declined, and my Venmo account was frozen without cause or even notification. I called Venmo customer service only to be advised the reason for my account being frozen was unknown. I was further advised my issue would be " escalated to the account specialist '' and resolution would take 10-15 days. When I asked to speak directly to the account specialist or a manager who could help me understand this insanity, I was told there was no one that could help me, and the account specialist is unreachable, even to Venmo employees. I was advised to respond to " the email '', which I never did receive. I initiated the conversation with Support, and the response I received from Support advised my issue needed to be submitted to another team for review, but never did explain what the issue was that had frozen in my account, to which team I was being referred, or answered any other question I had as to why my account had been frozen.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at BANK XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.