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

this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccurately reporting on my credit report, I have filed disputes with XXXX, XXXX and Equifax and they failed to resolve the matter, ACCORDING to15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to t
he purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
Product: Checking or savings account

I received a phone call from a representative from Chase Bank 's Fraud Department. The woman asked me if I recognized a charge on my account from XXXX. I stated that I did not authorize that transaction. The woman then stated that she would cancel my debit card and send me a new one. At that point the woman asked me to enter my PIN number for security verification on the touch tone dial on my phone. So I did. She then said she would send me a new debit card and that it should arrive within 2-3 business days.

After 3 days I checked my account and noticed that on XX/XX/year> there were 11 separate withdrawals from my checking account each one in the amount of {$200.00} for a total of {$2200.00}. There were also 5 separate withdrawals on the same day from my savings account each in the amount of {$200.00} for a total of {$1000.00}.

I then called Chase customer service immediately and spoke to several people in several different departments. Each representative told me different information. The fraud department advised me that someone used my debit card to take cash from an ATM machine in XXXX. I advised the fraud rep that I do not live in XXXX and I did not authorize anyone to send a new card to a different address. The fraud department representative said that a new debit was mailed to an unverified address in XXXX. I asked how could they have sent the new card to an unverified address. She said she could not release the address to me. She then processed a dispute claim for the unauthorized transactions. Subsequently on XX/XX/year>, I received a response from the Chase Fraud investigation and I informed that the claim was denied. I believe someone at Chase may have compromised or sold my information as part of a scam to steal money. I filed a police report for this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!
Product: Credit reporting or other personal consumer reports

Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Bank of America # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( XXXX ) 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 Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian and XXXX the have the police report they are in violation of cra
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.
Product: Mortgage

I XXXX XXXX have made several attempts to obtain a home loan modification with Bank Of America on subject property XXXX XXXX XXXX, XXXX CA XXXX loan # XXXX, I understand i am eligible for the XXXX program which would help me keep my home at an affordable payment, however the lender has refused to work with us. I have made numerous attempt to work with my lender but they have yet to provide any help. Additionally I am certain they are violating the Home Owners Bill of Rights which prevents them from Dual Tracking.
Product: Credit card or prepaid card

Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.
Product: Credit reporting or other personal consumer reports

XXXX placed an account on my credit report as a charge off for {$100.00}. This account is not mine so I disputed this account and requested the original application for credit along with the original documentation used to establish identity including all correspondence related to this account. No documentation was returned and XXXX claimed they fully investigated the dispute. XXXX in in violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
I contacted XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile.. 
XXXX XX/XX/XXXX
Product: Checking or savings account

Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Capital has continued their malicious acts on my account. First by blocking use of my debit card online, and then in person. I called and they told me that the card was fine ( lies ). They placed hidden restrictions on my card since I filed with the CFPB. 

Now capital is continuing their assult by preventing me from withdrawing my funds from my account. Which is completely illegal what theyre doing just because I filed a complaint. 

They also starting sending me updates and constant emails on my account. But when my account was hacked and I lost XXXX $ + I rarely got a email and when I did it was days late. I attached proof. They never contacted me, and I always had to contact them first and they lied to me numerous times about when I filed the claim etc. They just started sending me email updates, but during the whole investigation I received nothing and I filed 5+ claims totaling over XXXX $ loss. They tried to obscure the meaning of scam, fraud, and dispute. To fit their agenda so I started recording phone calls, every since then they have been after me trying to cut access to my own money, account, and earning. This is illegal and they think they can do it without any repercussions because they will lie their way out of it. Not this time! 

This is really messed up, because Ive been advised to avoid all contact from capital one but they just keep harrassing me doing malicious things to me when I just got XXXX taken from me through unauthorized transactions from capital ones poor security. Capital one is fine if you have less than XXXX, but I strongly advise not to trust capital one with more than XXXX unless you have connections to a higher up in their scheme. 

I have been advised to not speak to capital one until they answer the ftc compliant and cfpb, but they are trying to bait me into calling by obfuscating my account with no clear reason. With nothing sent to my email.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I for the XXXX time EVER didn't pay my XX/XX/2024 bill in full so I was charged interest. I then paid my XX/XX/2024 bill in full and received another interest charge. I called Amex to ask why. They said when I didn't pay my entire bill in XX/XX/2024, the remaining balance continued to accrue interest until my bill was paid in full in XX/XX/2024. So the interest they are charging me, on a paid in full balance is from the previous unpaid balance that I was already charged interest for on the XX/XX/2024 bill. So I was charged {$23.00} on my XX/XX/2024 statement for not paying the full statement for XX/XX/2024, and now I'm being charged another {$15.00} has been added to my XXXX statement although my ENTIRE balance for XX/XX/2024 was paid in full. According to Amex they get to keep addidng interest until the amount is paid.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. This account has effected me by me denied credit to move into a new house and also be able to buy a new car to get to work. I never gave them permission to report this latepayment to experian, XXXX or XXXX. They are defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

XXXX XXXX XXXX XXXX XXXX Americredit Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Would like for any negative accounts on my XXXX and Transunion credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. XXXX refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

XX/XX/XXXXXXXX XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XX/XX/XXXXXXXX XXXX XXXX XXXX? XXXXXX/XX/XXXX XXXX XXXX XXXX and any other negative accounts
Product: Checking or savings account

MY COMPLAINT IS SGAINST WELLS FARGO BANK, I HAVE A CHECKING AND SAVINGS ACCOUNT WITH WELLS FARGO BANK AND THE PROBLEM I AM HAVING IS THAT WHEN MY BALANCE REACHES A LOW LEVEL AND I VISIT THEIR ATM TO MAKE A DEPOSIT TO THE WELLS FARGO ATM MACHINES, THE DEPOSIT OPTION IS ALMOST ALWAYS UNAVAILABLE FOR DEPOSIT AND THIS IS TRUE REGARDLES OF THE LOCATION OF THE MACHINES. THEN I AM CHARGED HUNDREDS OF DOLLARS IN OVERDRAFT FEES BECAUSE I COULD NOT BALANCE THE ACCOUNT I SUSPECT THAT THIS IS A DELIBERATE AND INTENTIONAL AS WELL AS UNPROFESSIONAL BUSINESS PRACTICE BY WELLS FARGO AGAINST THEIR CLIENTS.
Product: Credit reporting or other personal consumer reports

This information is erroneous and is liable for misinformation. XXXX and XXXX XXXX are reporting information that is not been certifiable by a notary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}
Product: Mortgage

To whom it may concern, Bank of America ( BOA ) has  increased my mortgage payment for the past 4 months than sold my mortgage to XXXX XXXX XXXX with fees and a higher monthly mortgage payment. I asked XXXX XXXX   to explain the increase in mortgage payment. I was told they did not receive any documents form ( BOA ) only the monthly mortgage payment ; therefore, they could not explain the increase in mortgage payment. 

To provide a little background I purchased my home in XX/XX/XXXX at a fixed 4.25 interest rate currently {$190000.00} balance and a {$60000.00} balloon payment through HUD. BOA inherited my load three months after my closing date. However, BOA wasn't given any documents from my initial mortgage company XXXX. When I requested a home modification in XXXX which I was denied. BOA discovered they didn't have any of my loan documents from XXXX. Therefore, BOA filed some type of illegal court claim to have their name listed on the Deed of Trust. This battle went on for three years ending with BOA giving HUD wrights, listing HUD on my Deed of Trust and me owing HUD {$60000.00} due at sale of my home or at the end of the 30 year loan agreement. This results in me owing more on my home than the market listed value. I'm seeking a mortgage audit to save my home and receive a doable mortgage payment. 

I can be reached at XXXX Thank you in advance for any assistance with saving my home. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  bankruptcy dismissed in 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 chapter 13 bankruptcy dismissed. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX  - Account number : XXXX 2. XXXX XXXX XXXXXXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you