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

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$740.00}
Product: Debt collection

This company appearing as CREDIT MANAGEMENT COMPAN on my Credit Report has engaged in several unfair debt collection practices. This amount of {$630.00} was already removed from my Credit Report once in XXXX because I have never even been to a place called XXXX XXXX, which is the original creditor. Credit Management Compan appears to have readded it to my Credit Report by dropping the " Y '' from the word Company. They have called me several times even when I asked them to cease calling and desist collection as this debt was not valid but they don't want to take no for an answer. There isn't even contact information listed for this debt available.
Product: Bank account or service

In XXXX, I received a call from a banker from Citibank informing me that someone was on the phone posing as my husband and attempting to establish a credit line with them. I informed them during the call this was not possible due to my husband being deceased and was informed that the person on the call had disconnected and no further steps needed to be taken. I then later on, received notification by mail from Citibank XXXX/XXXX/XXXX, addressed to my deceased husband, informing that an account had been opened using his info and there was suspicious activity reporting. In the letter it contained a number to follow up with, if this account had not been set up by the addressed person ; I immediately followed up with Citibank and made them aware no account was opened due to my husband being deceased since XXXX and also that i had spoken with someone previously to address this. I was made aware that steps would be taken to resolve this matter and on XXXX/XXXX/XXXX did receive additional follow up to inform that an investigation was completed and account would be closed and forwarded to the credit bureaus to be addressed. How is it possible that a person being deceased that long, with reports being sent over to the social security administration initially to make aware, can still have someone open up a new credit card and use this. This is n't something that should be able to happen, and the way all of this was addressed from the opening of the account until the resolution was n't handled properly.
Product: Mortgage

I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing fraud on my credit I attempted to place credit freeze with Experian and they refused to do so. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a collection company is reporting a balance from XXXXXXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please removed this information so my true credit history can be reflected. The company didn't reach out to me and validate th einormation prior to reporting the account I learned about this account ater see it reported on my credit. Please delete this information as it is invalid and outdated. This debt has been forgiven please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy Federal Credit Union has been notified on multiple occasions that there are 2 Credit Cards, and a Membership a savings and checking in which was opened in my name with Stolen Identification, After my wallet was stolen and the thief used the stolen identification online using a fraudulent address, To open a Fraudulent membership and credit cards. Online. Navy Federal Confirmed that these three accounts all had been opened online. This includes a Checking and Savings and 2 Credit Cards. Navy Federal when I call in refuses to assist me with this matter, and stated they have investigated and that I authorized the accounts, in which I didn't and that they have verified these. First of all you have to have family members in the military or have a spouse in the military to join. All of which I do not. Secondly, My Identification was stolen when my wallet was stolen. I notified the Credit Bureaus as soon as I could when I saw these fraudulent accounts. Navy Federal never called to clear the Extended Fraud Alerts on my credit bureau reports, before allowing the membership or accounts to be opened. They sent the cards to a fraudulent address, I never received any account documentation on these accounts either. They use the terms " our member '' when they are responding to complaints. They refuse to follow the law and investigate the fraud. I never authorized these accounts to be opened, I never received any account documentation. Your agents advised me these accounts were all opened online. Which again, I did not authorize. Navy Federal allowed a thief to open accounts and then accuse me of opening accounts that I didn't open nor receive. I am attaching a Valid FTC Affidavit. To this complaint. I want Navy Federal to immediately resolve the issues, as Identity theft is not a laughing matter. I believe Navy Federal takes this as a joke. I am a victim of a crime. I have not ever signed anything for your bank, I did not authorize any accounts to be opened. I will continue to report these accounts to the credit bureaus as Identity theft, because these are UNAUTHORIZED and opened from a thief. Please follow proper laws and investigate the actual crime. I am not your member, and I do not wish to be referred to as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was sent a dispute on several hard inquiries on my credit report via certified mail on XXXX. They didn't respond with the 30 days required by federal law. I contacted them on XXXX and they stated that they had 30 days from the time they processed the claim which is not true. And that they can't process thousands of letter per day because of covid 19. They actually sent the response to the wrong address. in the certified letter a copy of my DL and power bill was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy in XXXX of XXXX. LEXISNEXIS violated two important consumer rights. One 15 USC 16819 ( a ) ( 4 ) infringement of consumer rights to privacy. Congress made it clear that a consumer has a right to privacy. The second violation 15 USC ( a ) ( 2 ) LEXISNEXIS did not have a permissible purpose nor did they have my written instructions. Bankruptcy Court sent me a letter stating the do not report to credit reporting agencies. Also section 617 Civil liability for negligent non compliance. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure, and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On the finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith is subject to other fees. A certified letter will be sent to XXXX XXXX acting director of CFPB as well as my congressman.
Product: Checking or savings account

XXXX XXXX XXXXXX/XX/XXXX, I have {$4300.00} within my checking account, savings, and credit, majority kept in savings. @ XXXX I was notified {$77.00} was placed in my account, @ XXXX {$62.00} placed, Total balance {$4500.00}. I tried multiple times at ATM to withdraw, review, and obtain access to my account, getting my balance wouldnt even work, I tried logging in the app that wouldnt work and prompt to be contact support.. I spoke to 4 different people for 49minutes, all of them unable to give me any information, track the location of my money or account, give a explanation, just told me I was wrong about my birthday and that I need to email to resolve issue. I sent multiple emails got different answers ; repeated answers, ignored, chats closed on me, lied too, EVEN a response trying to flip the switch that I requested a closure on one, no resolution, no sympathy, pure robbery, told my accounts were closed and I will receive a check if I have a balance even after making it clear all my money is in my accounts and I will be facing eviction many other issues If I dont have it to pay rent etc. No help at all, pure careless.
Product: Credit card or prepaid card

on XX/XX/2019 Reduced my credit limit to the point that with upcoming account fees and interest I would go over my account limit and they would then charge a over limit fee.
Product: Debt collection

I saw on my XXXX XXXX that Credence Resource Management is claiming I owe XXXX XXXX XXXX {$3400.00}. I never received any communications from them, and was only made aware of this alleged debt, when I checked my XXXX XXXX. I emailed Credence requesting copies of supposed signed contracts. They can not provide them. There are multiple phone numbers on this account that I am unfamiliar with and want to see copies of signed contracts they are claiming exist. I also requested copies of itemized bills and they have not provided them either. This account is fraudulent and Credence is currently being sued for these same actions against others in a class action suit. I am learning of this collection that is apparently from an account from 2008. They are in violation of numerous Federal laws and statutes, and they have just informed me via email, that they will not communicate with me anymore because I am demanding these documents which I am entitled by law to see. This account needs to be removed from my credit report immediately.
Product: Mortgage

PNC bank bought and services two 20 year loans on two seperate homes. First mortgages on both. They have been collecting escrow monies on both and not paying my town. they also don't show the money back into my account for weeks at a time so I don't even get interest. I have been force to pay the town directly myself even though PNC has been collect to. they now have over XXXX dollars of my money. I have paid fees for paying direct and I think late charges and demand charges from my town. sent three different times signed papers for them to stop collect escrow. I also faxed. I have called them many times more than 10. I have been cold dropped. I have been hung up on. I have been transferred I was treated badly and rued even. They keep telling me they will call me back. I have received one message once and the other time they didnt say they would fix. I want to bring legal action against the abuse. I still have to pay the mortgage with escrow or they will not apply it to my balance and they will not count it as a payment. This is hard. I have XXXXXXXX XXXX and on in XXXX. I have three houses to pay for and my wife lost her job after 22 years and now makes XXXX the income. this is financially hurting me. carrying balances because they are not doing the right thing. this all started about 4 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 at approximately XXXX PST a contact that I had listed as someone who knows me received a call from Cash N More about the payday balance that I owe. They gave that contact the amount of debt {$300.00} that was owed and where they were calling from I believe that is in violation of my rights since any information regarding the debt that is owed should not be disclosed to anyone. This is the second time that they contact this individual and I would like to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I have a mortgage through Chase. I have had the mortgage for several years. I set up automatic payments through my bank. I have always paid my mortgage on time. Although the interest rate is fixed, the monthly payment periodically changes because of a change in the escrow payment. This XXXX the monthly payment increased from {$2300.00} to {$2300.00}, i.e., {$58.00}. I was not aware that the escrow was going to change, so I did not change the monthly payment amount. ( Chase told me that a notice of the escrow increase had been sent via mail in XX/XX/XXXX. While I do not dispute that they did, I did not receive the notice. ) Chase received my payment for XXXX and because it was less than the full amount they designated the the amount I paid ( {$2300.00} ) as " unapplied funds, '' They also accessed a late fee of {$85.00}. This went on until XX/XX/XXXX, when I discovered the issue. All told, Chase accessed XXXX late fees of {$85.00} each for XXXX, XXXX, and XX/XX/XXXX. When I discovered the issue I contacted Chase and paid any arrearages in full and Chase wiaved XXXX of the late fees, but not the remaining XXXX.. 

What happened was readily apparent : After regularly making payments, the monthly payment increased and I did not adjust the automatic payments. Despite this Chase did not call me or send me a letter. While I received emails from Chase concerning this issue, I receive a lot of emails from Chase, most of them marketing emails. An issue like this merits a phone call or letter via first class email. 

I view Chase 's conduct as predatory. By failing to call me or send a letter Chase allowed the account to stay in arrearage while accessing interest and penalty. Notably Chase 's late fee is disproportionate. A payment of approximately XXXX was less than {$60.00} dollars short. For this Chase accessed a {$85.00} late fee ( which is the same late fee I would have been accessed if I missed the payment entirely ). Also, by holding the full amount I paid without applying it to my principle, interest or escrow, I also accrued additional interest. 

I ask that Chase be held accountable to not only me, but to anyone else hurt by its predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters of dispute to Experian, for a creditor in my file named XXXX XXXX/acct # XXXX. Experian responded with " account verified ''. On XXXX XXXX, XXXX and XXXX XXXX, XXXX I sent certified letters to Experian disputing the account and requesting the documentation received verifying the accuracy. I received a response from Experian dated XXXX XXXX, XXXX stating, " Unless you send us additional relevant information to support your claim we will not reinvestigate this information. '' In response to my letter mailed XXXX XXXX, Experian sent me a response dated XXXX XXXX, XXXX parroting the same response that was previously sent to me. 

In both of the letters that I sent to Experian, I requested that they send to me the documents that they have in their file that was used to verify the accuracy of the disputed account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Experian disclose to me all of the documents that were recorded and retained in their file at the time of my request concerning the account in dispute. The FCRA, 15 U.S.C. 1681 ( i ), further states that if the disputed account remains unverified that it must be promptly deleted. Furthermore, the FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) states, " if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness fo the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information ... '' I have not received the requested information after my submission of numerous requests.
Product: Checking or savings account

Bank of America ( Bofa ) has banned me permanently from banking w/ their institution. They did something illegally w/ my SSN # I 've tried everything in my power for a resolution. They just tell me over, & over, I 'm sorry no u can not ever bank w/ us. But not one time through the 5 years have they told me why? I really want them to stop mistreating me. And statue of limitations has reached for what ever grudge the hold against me. Please find a resolution for me. I do not owe the Bank of America. And they threw me in their risk accounts. I disagree with them. Can I sue? They better stop putting a bad word out on me. I havent banked w/ them for 9 years. And they still refuse me service. Please help. Thank you. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Charge for Service covered under Paid Provider Network XXXX XXXX XXXX billed {$260.00} for services On XX/XX/XXXX that they were contractually committed to not charging for thru my Health Benefit Plan with XXXX. Account XXXX On XX/XX/XXXX the bill was given to a debt collector, XXXX XXXX XXXX, for recovery. Account # XXXX Both XXXX XXXXXXXX and XXXX were notified by myself and through my plan administrator that they could not bill for these services. XXXX was notified by me personally on XX/XX/XXXX and on XX/XX/XXXX. They were also notified by my plans member services on XX/XX/XXXX. XXXX XXXXXXXX was also notified by me on or about those dates. XXXX   XXXX has continued to try to collect this fraudulent debt and has reported me to the credit monitoring services. The amount was reduced to {$60.00} on a report from XX/XX/XXXX. 
Attempts to correct the problem with Equifax have been disregarded. First, their website reporting for disputes does not work. Second, calls to them to through their dispute resolution have been disregarded and went nowhere. Third, a request for forms to dispute the problem have been ignored and as of XX/XX/XXXX I have not received the requested documents. XXXX has addressed this fraudulent claim, Equifax will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inaccurately is reporting under my name, on erquifax credit reporting agency, i have been disputing for the longest time and they have not been able to help me out. i have attached my police report, please have them removed this inaccurate account from my credit file thank yoiu for your cooperation
Product: Checking or savings account

A demand letter was sent to Capitol one dated XX/XX/2023 and I didn't receive any response. Now I am taking this matter to a whole new level being that Capital one want to continue to lie and disrespect me along with assassinate my character steal my money aggravate me cause me all this pain anguish and frustration when all they had to do is look at the date and time on my paperwork. I am gon na file a lawsuit on the matter then maybe I'll get my money back from these apathetic self righteous, people. I still do business with capital one. It was {$300.00} they took out my account. I sent Capital one my proof and to no avail still no resolve. My claim will be for {$5300.00}