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

I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.
Product: Consumer Loan

I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about my complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries and addresses made by the following companies : 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 Illinois XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting changes.
Product: Debt collection

The debt collection agency Element Global Services had an agent named XXXX contact me at work while I was teaching. He gave me a deadline to call him back or he would be calling my boss. He threatened to have me put in jail and taken to court if I did not pay a certain amount of money on the spot. He also refused to identify himself when he first called. XXXX also threatened to contact my boss with the recording of the line that we were on to show him my " character '' after he made numerous other threatening statements. After researching this company on the internet I have seen nemerous complaints about intimidation tactics from them. XXXX knew information about me that he should n't have and that was an extremely scary thing. I felt harassed and violated by this man.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report. 
( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section. 
( a ) In general. Any person who willfully fails 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 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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.
Product: Debt collection

XXXX XXXX sent a bill to Aargon Collections but I was unaware that I owed anything since I have insurance. I just recently found out that I had a collection because I ran my credit. I contacted Aargon and let them know that I never received a bill from from XXXX or any documents from Aargon. I never had the opportunity to pay this prior to this reporting on my credit which is against FCRA laws. 

I should have been given a reasonable amount of time by both parties listed above prior to this reporting on my credit by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by TransUnion, XXXX, and XXXX. 

On XX/XX/year> I discovered that my consumer report was accessed by XXXX on XXXX, XXXX, XXXX  without my written consent. Also XXXX, accessed my report on XXXX, XXXX, XXXX  without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, and XXXX XXXX/XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Equifax responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by Equifax. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by Equifax. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My vehicle was repossessed last Friday, XX/XX/XXXX without ever being contacted from Westlake Portfolio Management. I came out for lunch and the vehicle was gone. I contacted them and they told me the last time they called me was in XXXX. I have contacted them many times after I saw on the news that American Car Financial was taken over by them. I never received anything from them advising they took over. When i asked, they said American care Financial was suppose to contact their Clients. They had no answer why I was not notified prior to the car being picked up. I have been at a inconvenience, XXXX XXXX, had to walk that day over a mile, take multiple XXXX to get to work and my grandkids not being able to get to their bus stops for school. First they told me, I would have to just pay {$1000.00} and I told them I was going to file a complaint because I have to be notified prior to a repossession and given the right to cure and I was not. Then they said I need to pay {$640.00}, which I paid on Monday, XX/XX/XXXX. It is XX/XX/XXXX and I am still getting the run around with them saying the paperwork is not processed yet. The Repo place just put you on a automatic long hold, XXXX. I have been holding for 2 days. They indicated they have not received anything from Westlake portfolio Management. I just contacted them and was told they will forward the paperwork today and to contact them back later. I have never received a call, email or letter from Westlake Portfolio. I am very angry at the whole thing, they have no regard or answers as to why the vehicle was taken without any contact or notification to me. When asked they go silent and start talking about something else. They should be made to bring it back to me, refund the payment I made and waive payments due to the inconvenience it has caused. they said they were going to send paperwork out today when I called, but its way after the fact..
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( Original Creditor : ) XXXX Balance : {$590.00}
Product: Debt collection

My latest credit report shows accounts I didnt authorize. I ask for their prompt removal and blocking.
Product: Checking or savings account

Citibank branch on XXXX XXXX XXXX and XXXX XXXX, XXXX. I deposited {$700.00} in cash. The ATM machine took the money, gave me back the card and displayed an error messageUnable to accept deposits at this time. Employees in the branch did not help, but instructed me to call the number on my card, and that theyd issue a credit today. However, upon calling the number, I was told an investigation needed to be done and that if I didnt receive the fund or heard back within 45 days, then Id need to contact them. This was money for my rent, and now I have to wait until Citibank decides they want to do an investigation. They have cameras in all the ATMs. This should be an easy fix! But no, they are super unhelpful and unreliable.
Product: Debt collection

At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company XXXX XXXX nor Crown Asset Mgt and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then XXXX XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep XXXX XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from XXXX XXXX XXXX that I was denied for a loan of XXXX that I did not apply for. When I called they told me they received my application from XXXX XXXX. I did not consent for a hard pull from my credit report, and I did not apply for a loan. When I attempted to resolve this with XXXX XXXX XXXX they refused to help. When I wanted to dispute this, they would not transfer me to the disputes dept and stated they would see if they could find someone that wanted to talk with me. 

The application they received was from XXXX XXXX, who received the information from XXXX XXXX. I did not consent for a loan application on XXXX XXXX
Product: Credit card

I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.
Product: Checking or savings account

Subject : Formal Complaint : Incorrect Denial of Checking Account Application and Request to Clear My Profile To : Chase Bank Customer Service Department I am writing to formally express my dissatisfaction with the denial of my application to open a checking account with Chase Bank due to misinformation and an apparent mix-up with another individual who shares a similar name. This error has caused unnecessary inconvenience and frustration. 

Details of the Incident : During the account opening process, I was informed that my application could not be approved due to negative information associated with my name in your system. Upon further clarification, it was revealed that this decision was based on a mix-up with another individual who has a similar name but is unrelated to me. 

Key Issues : 1.Misinformation : Despite providing all necessary documentation ( e.g., government-issued ID, Social Security Number, proof of address ), my application was wrongly denied. 
2.Lack of Due Diligence : Your team failed to adequately verify my identity and distinguish me from the other individual. 
3.Impact on My Trust : This incident reflects a failure in Chase Banks processes , causing me undue frustration and tarnishing my trust in your services. 

Request for Resolution : 1.Immediate Review and Clearing of My Profile : I request that my profile in your system be reviewed and cleared of any incorrect associations or misinformation. 
2.Approval of My Account Application : Upon correction, I would like my application to be reconsidered and the account opened without further delays. 
3.Explanation of the Error : I would appreciate a detailed explanation of how this error occurred and the measures Chase Bank will implement to prevent similar issues for other customers in the future. 



Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Student loan

I applied for the Student Loan Forgiveness program. I tried to upload information that would be lost or denied. I have several part time non profit jobs and that was a problem to the servicer.
Product: Checking or savings account

I went into my local JP Morgan Chase Bank in XXXX AZ on XX/XX/XXXX and filed a Sales Purchase Agreement per the contract and had my personal banker transfer XXXX to another Chase Account of the " fiduciary '' on the contract. I spent several months trying to finalize the transaction which ended up being a complete fraudulent scheme which provide forged international documents, false banking wires, and false contact information. I called Chase Bank in XXXX of XXXX and was told someone would contact me to help resolve the matter. I never heard back from them, I attempted to call the corporate numbers and spoke to someone in fraud but they advised me that it was not fraud and a " very fine line '' between scams and fraud and they had to get another department to help me then I'd be put on hold for a minimum of XXXX minutes before I had to hang up and I've sat on hold for over an hour on XXXX separate occasions with nobody ever picking up the call. Today I made another attempt and was placed on perma hold again. I want to file a complaint against JP Morgan Chase for avoiding my claim and in helping me to try to recover my money.