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

Monday, XX/XX/2022 at XXXX - received an email and text notification from XXXX XXXX saying there is a new inquiry on my XXXX credit report. After checking my XXXX XXXX account I saw that there is a new hard inquiry dated XX/XX/2022 from FEBDestiny. Location address shown on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone number listed is XXXX. Inquiry type shows as Individual. I immediately called the number XXXX as listed. A recording says that number is disconnected. I looked online for Destiny Bank and found a toll-free number listed as XXXX. Recording at that number said to call within normal business hours and immediately disconnected. 

Tuesday, XX/XX/2022 at XXXX - I called the number to Desitny Bank to ask about the inquiry. Using my name, last four digits of my social and date of birth they claimed that they have no accounts listed under my name. They suggested that I call XXXX. 

Tuesday, XX/XX/2022 at XXXX - I called XXXX. XXXX is able to see the inquiry and suggested three actions : 1 ) XXXX offered to notify Destiny Bank of the fraudulent activity which I asked them to do for me. 2 ) They suggested that I call the creditor which I informed them I had already done. 3 ) File a police report and file a report with the FTC, which I am doing now at XXXX. 

I also put a freeze on my credit to prevent future applications and inquiries. 

I would like this hard inquiry immediately removed from my credit report as I did not request any new credit from Destiny Bank or any other creditors in the past several months. 

I would also like to ensure that no accounts or other credit activities have taken place as a result of this inquiry. 

If possible, I would like to know who accessed my credit information and how they obtained my personal information to access my credit account.
Product: Debt collection

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Subject : Formal Dispute Regarding Account No. XXXX To Whom It May Concern, I am writing to formally dispute the information reported on my credit report by your company, CREDIT COLLECTION SERVICES. The account in question, with the account number XXXX, was listed on my credit report provided by XXXX under report number XXXX, submitted on XX/XX/year>. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation and proof of the alleged debt, including any documentation that proves I have a financial obligation to your company. As of today, I have no knowledge or record of doing any business with your company, and I believe this account may have been reported in error. 

Until you provide valid proof of this debt, I request that you immediately cease any collection efforts and remove this erroneous account from my credit record. In the event that you are unable to provide adequate documentation, I expect a formal written confirmation that this account has been removed from my credit report in compliance with the FCRA. 

Please provide all supporting documentation or confirm the removal of this account within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I was notified by CitiBank that they were lowering my credit limit. This action was taken over two weeks after I had significantly lowered my balance, which had been carried high due to pandemic related impacts and uncertainty. This had the effect of not only eliminating the credit limit space I had opened up with an eye towards improving my utilization score, they cut my limit under the amount of currently approved spending, immediately placing my account over the limit and beginning negative reporting to the three credit bureaus. I attempted over three weeks to contact them and request a delay to their action until the credit bureaus caught up with the payments that had been made in mid XXXX, and at a minimum to stop reporting an over limit negative condition until the review had been completed. The company refused to make any gesture to stopping the credit reputational damage they had caused, and would not agree to revisit or reconsider their decision any sooner than within 60 days. Based on their refusal to consider that acting on a credit report they KNEW, based on the substantial payment they had received the month prior, to have significant inaccuracies, I have chosen to wind down and end my relationship to prevent future bad acts.
Product: Credit reporting

I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage did a background for XXXX on me, and found that my social security number suposinlgy, isn't mines. I just did another background check with another agency for another position along with this work @ home, XXXX position. It was just fine. I used the same social security card as I have used all of my life. What I am being informed just isn't making sense ... The letter I was mailed by First Advantage, Consumer is stating a law, without stating what the law is that made me ineligible. Please, have this investigated. 
I have already had alerts put on my credit reports alomng with other actions taken. I wold really appreciate if XXXX can have this cleared up, so I can continue to enroll in a XXXX course for their work at home positions. My questions are where did " First Advatage, Consumer '' get their information from that they  passed on to XXXX? 

Also, I would like to have it investigated to be sure no one is using my soical security number especially from any former addresses. Have reported & issued freeze on my credit reports. Please, also make sure ntohing else was done with my social security number especially form a XXXX XXXX XXXX XXXX, XXXX, PA XXXX address. I wasinformed about possibly, having property in my name. I would be a 1st time home buyer, if I ever decide to buy a home. I do not own any property. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I discovered multiple unauthorized transfer-outs from my checking account, two of these are large wire transfers of {$8900.00} and {$8500.00}. Also on the same day, my husbands phone number was hacked, someone called XXXX  and had his phone number transferred to their SIM card, so he couldnt use his phone number at all that day. We suspect that the thief could do the 'forgot password ' function and use my husband 's phone number to change the password and log on to our joint online banking accounts and transfer our money out. But it's just our guess because the SIM card hack and the unauthorized transactions occur on the same day. On my husband 's bank account, on XX/XX/XXXX and XX/XX/XXXX, there are also unauthorized payments to a bar and places in XXXX  which are totally not done by us as we live is CA, USA. This is clearly an incident of identity theft. We immediately reported to Chase on XX/XX/XXXX, it has been almost 2 months for Chase to do their investigation and we have not heard any updates from them. Chase has not refunded the money from the two large wire transfers. When we called their fraud department ( which we have been doing many times ), we kept being told the same thing that the claims are still in process. This is clearly an incident of identity theft and we would do anything to prove that these transactions weren't done by us, however, we haven't received any form of communication from Chase, not a single phone call. Our bank accounts are deprived of fund. We desperately need our money back and we have been giving Chase almost 2 months to fulfill their customer protection responsibility and refund our money. We need answer. We need our money back. We would do anything to be able to get our money back, including suing Chase for their incompetence in customer protection, as {$17000.00} is almost our entire life saving. We would appreciate any help.

( the attachment is proof of XXXX  notification that the SIM card was changed on XX/XX/XXXX )
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : 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 XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Product: Bank account or service

I have had several bank accounts with Bank of America and XXXX, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
Product: Checking or savings account

MONDAY XX/XX/2021 XXXX XXXX Email : XXXX Dear Chase, On Wednesday XX/XX/2021 @ XXXX I checked my Chase accounts. 
It was then that I noticed my identity theft. 
From my checking account ending in # XXXX, I had {$480.00} remaining from its original {$930.00}. 
From my savings account ending in # XXXX, I had {$780.00} from its original {$49000.00}. 
My account ending in # XXXX was not affected @ {$500.00}. 

I started calling Chase immediately around XXXXXXXX  but it took 7-1/2 hours to report everything due to horrible phone connections, being put on hold for endless minutes, and in complete information on the Chase end. 
Friday morning, XX/XX/2021 @ XXXX ( approximately ) 2 policemen came to my place of business XXXX XXXX XXXX XXXX to take my report : Officer XXXX XXXX Officer XXXX XXXX Incident No : XXXX Unit No : XXXX After this meeting, I called Chase bank to request an appointment. 
I started calling around XXXX but no one ever picked-up nor was there a voicemail. I called 3xs and then decided to go to the bank at lunchtime only to be told I needed an appointment. I went back to work and then returned for my XXXX appointment. Chase wasted 4 hours from my working due to Chases lack of customer service and phone directions. 

At XXXXXXXX  I returned to chase for my appointment and was assigned to XXXX XXXX Assistant Vice President. She was most excellent with her knowledge, efficiency, patience, compassion and calm, personable demeanor. 

The new accounts illegally set-up under my name are : # XXXX # XXXX # XXXX The people I spoke to throughout this ordeal on the phone are ; XX/XX/2021 XXXX First Support Specialist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 Friday I went to Chase Bank to discuss this matter in person. 
XX/XX/2021 I still have not received my money.
Product: Credit card or prepaid card

This month I was charged an annual fee on my account. After reviewing the terms on the website their is no longer a fee associated with my type of card. I called and was told because I opened my account 7 years ago it is stuck under the old terms and cant be changed. I would have to close my account and re apply for the same card to not have an annual fee. I should not have to apply for a new card because terms were updated. Its one thing to be grandfathered in when its a positive but this is a negative and unfair practice.
Product: Debt collection

Portfolio Recovery is a debt collector trying to collect some kind of debt. All three of my credit reports show XXXX collection activity. I have never had collections and I have excellent top tier credit scores. I do not know why someone is bothering me like this. I want it to stop asap please. Every morning this company calls disguising there numbers every time with a different phone number. I have a right to not be harrassed. I want proof something I signed with my social security number showing I owe something! That is fair and legitimate
Product: Debt collection

I have did a complaint about this matter in XXXX of this year but another company has started sending me emails about a debt that have no knowledge of. I DO NOT OWE THIS COMPANY ANYTHING. XXXX XXXX XXXX XXXX is the company that keeps sending me emails saying I owe them {$1100.00} and I dont owe them anything. The company thats sending me emails now is TrueAccord. I have talked to XXXX XXXX XXXX about this issue and they told me to disregard this matter. So therefore, Im doing another complaint because this needs to be resolved. Thank you again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Act ( FCRA_to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues. such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responds, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as Including XXXX, XXXX and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a cease and desist to ALDOUS and gave clear written instructions to remove themselves from my consumer report with 4 business days from receiving my notice however they keep referring to the communication as a " dispute ''. i know they are breaking a lot of federal laws especially where the federal law states that an attorney can not be debt collector yet they are trying to collect an alleged debt as a third party debt collector. they are failing to follow very simple written instruction which they have been on notice for more than a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. Hyundai acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to Hyundai Finance 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pay my balance every month and it shows after I make my payment on there website but it take XXXX XXXXXXXX days to post your payment or they say something is wrong with the website and by the time the payment post its shows that your using incorrect credit usage and it dropped my score over XXXX points and when you call XXXX XXXX about the issue I was told to contact the credit bureau and the credit bureau says contract XXXX  XXXX and it's confusing
Product: Mortgage

I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.
Product: Vehicle loan or lease

Suntrust Bank has my correct Bank Account information, but they tried to charge an old account for my automatic payment. They reported the account as 30 days late on my credit report before notifying me that the payment didn't go through. 
They did not communicate with me until after the payment was 30 days late. But, I was setup on automatic payments, so the payment was not late at all. 

This has tanked my credit score right as it's time for me to buy a home.
Product: Credit card or prepaid card

I have various credit cards all major companies such as XXXX, XXXX XXXX and etc. Although we are in a pandemic in which many are losing their jobs and unable to pay their bills, however I am not in that situation, I have two jobs by which are thriving in the mist of the pandemic. Plus my wife makes a substantial amount of money as well so as a house hold we can support and pay any and all credit debits. However, I received a letter from fifth third bank stating that they were decreasing my credit limit from XXXX to the amount that has been used already on my credit card so that makes my new credit limit decreased to {$1600.00}, which now appears as if my credit card is maxed out which also decreases my credit score. I always pay my bills on time never been late and always pay ahead of time and never pay minimal due. Out of all the credit cards that I have, this is the only one that felt the need to decrease my credit limit amount which not only hurt my credit score, but also my situation. I been using my credit cards more lately because my father has been sick and I have traveling more often than usual to take care of family matters. I felt what fifth third bank did was selfish, untimely, unethical and influenced by pure speculation and assumptions to where I couldn't handle my debit by which I can, I have been a good customer. However, as a consumer, discriminated against, I was feeling as if it was almost racially motivated, and therefore I am very offended.
Product: Credit card

JP Morgan Chase sent me an email stating that if I spent {$150.00} or more on my Chase Freedom credit card between XXXX and XXXX in XXXX of the following XXXX categories : Fitness clubs & Gym memberships, Utilities, Local Transit & commuting, Insurance, Phone cable & internet service I would receive a {$15.00} statement credit. I Activated the offer and spent the {$150.00} on XXXX. The offer further states to allow up to XXXX weeks for the credit to post to my account. On XXXX I still had not received the offer, so I called Chase. XX/XX/XXXX, I spoke with XXXX, who told me I needed to call XXXX. When I called that number, it was the Chase travel service. I then called and spoke with XXXX. She shows the offer, but I am not getting the {$15.00} statement credit. 

How can a credit card company make an offer, you spend the amount needed to get the offer, and then the credit company simply refuses to honor the offer? 

Next I turned Chase into the Better Business Bureau. Chase confirmed the offer, but is making the ludicrous claim that I decided to spend the required {$150.00} to earn the {$15.00} statement credit, but decided not to sign up for the offer.
Product: Credit reporting or other personal consumer reports

Experian is reporting an unauthorized account to my consumer report. The account that they're reporting can not be fully verified with proof of full documentation. I reached out to the creditor asking them to provide my authorization for them to purchase my personal information and share it in which they couldn't provide the proper response with documentation. By them purchasing and sharing my personal information without my consent is a violation against my right of privacy. Included in this complaint is a copy of my dispute letter containing the inaccurate information that I would like to be thoroughly investigated. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Checking or savings account

My mother opened an automatic roll over certificate of deposit with XXXX XXXX in XXXX  for $XXXX with a 5.21% interest rate, the bank was bought out by suntrust. Suntrust has record that the cd went dormant in XXXX but can not tell me what happened to the money because the account is so old the money was not sent to the state lost funds. I have the original cd