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

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, XXXX XXXX, XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing Security Freeze with Experian that was established in 2017. As part of setting up that security freeze I was given a PIN # and phone number to call to conduct temporary removals. 

I have made numerous attempts to do a temporary removal of security freeze but am unable to get in contact with anyone. The phone number given to me when I set up the security freeze only direct me a a phone tree. The only options give in the phone tree are to permanently remove the freeze or to purchase products. I have been give no mean to talk with a representative and provide my information or PIN #.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX account # XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. 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 XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a Chase XXXX credit card on XX/XX/2022. Immediately I received an email stating that my credit card was being processed Ref # XXXX. Then soon after I received another email that further documents were needed. I sent various documents such as a billing statement showing proof of my mailing address XXXX XXXX XXXX, I also sent a driver 's license showing proof of residential address, also sent a bill showing proof of residential address by fax, mail and email. All documents were denied and my application was never processed. I must have sent all documents probably about 10 times and still no answer. I think they are having issues with my address on file since I already have a Chase Freedom credit card and the addresses I have provided. I have called about 10 times and today XX/XX/2022 I had enough talking to XXXX from the fraud department at XXXX and she hung up the phone when I requested to speak to a supervisor. I have provided all that they have requested and nothing has been resolved and difficult to get a hold of and speak to them. Very rude and unprofessional reps. My credit score is about 820 and I have a good standing with Chase freedom card over the years. The only problem I see them on purpose denying me a credit card based on race or some other factor and that is discrimination. I don't see any other problem since I have provided what they asked for but still my credit card has not been processed and a hard credit was run on my report. I have gotten many letters about 5 stating that Chase unable to process my application but no reason as to why.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The amount saying to be owed is {$3400.00} They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The novel coronavirus pandemic has changed everything for my beloved wife XXXX and I in terms of paying the loan from the Bank of America for my car! We are senior citizens of advanced age with serious health problems and so are in the HIGH RISK category. 
As a result, WE CAN NOT WORK! 

Yet the Bank of America is unwilling to change the terms of my car loan so that I in light of the novel coronavirus pandemic that makes work for us impossible! This is cruel and insensitive of the Bank of America. 

I am able to make payment of {$500.00} per month for the life of the loan! The Bank of America in light of my beloved wife XXXX and being in the HIGH RISK category would amend the loan agreement in this regard!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquires on my report inwhich I have no knowledge of
Product: Vehicle loan or lease

Account XXXX : XXXX I am writing to address a recent late payment that was reported on my credit report for my car loan with Chase Auto Finance. I kindly request your assistance in reconsidering this late payment and removing it from my credit history. 

The issue is due to bank error as I had made my payment on XX/XX/2023. On XX/XX/2023, I saw the transaction for Chase in my bank and the amount withdrawn from the account but then it abruptly disappeared. I called Chase to see what was going on but they had not seen the issue on their end yet. I was told to wait until it was officially returned as I was not sure if they had gotten or not. I tried to be proactive by calling ahead of time to try to save my credit and figure out solutions but no one was willing to provide any solutions and they did not understand how credit worked. I had to wait until the XXXX to find out it had been reversed and the funds were released for me to be able to make the payment again. This issue is due to bank error. 

I pride myself on not getting any lates with my car and I tried to resolve it prior to the 30 days but Chase does not have staff that understood or could not provide any answers or assistance. Investigate and reverse this late payment. 

The payment has fully cleared and money has been successfully received by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2023 XXXX  on XXXX XXXX FTC report ( XXXX ) attached
Product: Checking or savings account

XX/XX/2023 Chime sent me a temporary credit of {$450.00} for fraudulent activity happening in my account. XX/XX/2023 fraudulent activity happened again my account was at a balance of {$740.00} fraudulent activity occurred again. I regained access to my account filed a dispute and chime did not reimburse me for my money that was stolen by identity thieves. I have been fighting day after day since XXXX waiting patiently for there investigation team to pay me but that are committing fraud against me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed derogatory reporting on my credit reports by XXXX XXXX XXXX  on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was a graduate student at XXXX  XXXX XXXX. I also had a One-year Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father who was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Creditor, On XX/XX/XXXX I have a hard inquiry on my credit report from your company and I did not authorize this inquiry and request that you please remove it immediately. 

On this day I entered the XXXX XXXX XXXX dealership to purchase a vehicle and was not aware that my information was run through to multiple creditors and you are one of them. 

I did not sign anything with your company nor did I authorize you to place a hard inquiry and request that it is removed. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX Delaware and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Product: Credit reporting or other personal consumer reports

Called Experian disputes and fraud department to correctly display my address as the wrong and not factual addresses are being displayed, also to many incorrect addresses are being displayed to my credit report. making the credit report inaccurate since I do not live at these other addresses. I also disputed names that do not belong to me and they did not remove it.
Product: Mortgage

In early XXXX of 2021 I started applying for a mortgage with Webster bank and specifically a XXXX XXXX, an underwriter. It was explained to me that commercial realestate can take 2-3 months to close especially because of how busy appraisers are. Initially I gave a {$3000.00} check to Webster for the appraiser. Later the appraiser would only be {$1300.00} but the remainder of the {$3000.00} deposit I gave would go towards additional fees. I was also reassured my rate was locked and provided only one commitment showing a mortgage rate of XXXX from Webster. After the closing I contact the underwriter stating I was due a credit of more than {$500.00} after their fees and appraiser. The underwriter then credited me the remainder. I received my first mortgage payment and noticed the amount was higher than what was discussed. The underwriter stated to me that a page I signed would allow Webster to change the rate upto 5 days before the closing. I was lied to verbally and I did not get anything from Webster showing a rate change even days before I closed on the property.
Product: Credit card or prepaid card

As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an open account and unpaid balance of {$1100.00} to my *XXXX  XXXX profile. My Credit profile shows that this XXXX account was charged off in XXXX. Legally they can not report a balance that was sold/charged off. This account was charged off in XXXX and bought by XXXX XXXX XXXX in XXXX. 

XXXX XXXX is reporting an open balance of {$1100.00} " Twice '' on my credit reports. and is reporting to all XXXX credit bureaus for an account that is over 7 years which should not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to VW rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries & Identity Theft Claim Immediate Removal Required To Whom It May Concern, I am writing to demand the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit reports with XXXX, XXXX, and XXXX. Despite my multiple disputes and diligent efforts to resolve these issues, your agencies have failed to correct the inaccuracies that continue to harm my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 
The following hard inquiries are outdated, unauthorized, and related to identity theft I experienced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB Card 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. These inquiries are negatively impacting my credit score and must be removed immediately, as they were not authorized by me, and all related accounts are closed.

Under 15 U.S.C. 1681b of the FCRA, credit inquiries require a permissible purpose, which I never provided for these entities. Furthermore, according to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), your agencies are required to investigate and remove inaccurate information within 30 days of a dispute, which has not been done. Additionally, per 15 U.S.C. 1681c ( a ) ( 5 ), outdated and closed accounts must be removed. Your continued reporting of these inquiries constitutes a violation of 15 U.S.C. 1681n and 1681o, holding you liable for willful or negligent noncompliance, entitling me to statutory damages, actual damages, and punitive damages.

Moreover, the Equal Credit Opportunity Act ( ECOA ), specifically under 15 U.S.C. 1691d ( a ), mandates that creditors justify and document credit inquiries. Since these inquiries were never authorized, they should have been removed immediately, especially after I reported my identity theft in XXXX3. Your failure to comply with these legal requirements is a clear violation of 12 C.F.R. 1002.4 ( c ), which prohibits misrepresentation in credit reporting.

The presence of these unauthorized and outdated inquiries on my credit report has caused substantial financial harm, limiting my access to fair credit opportunities. According to the ruling in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit bureaus are required to conduct reasonable investigationsa duty you have neglected in this matter. 

I demand that you remove all unauthorized and outdated hard inquiries within 10 days of receiving this letter and provide written confirmation of their removal. Failure to do so will result in legal action against each credit reporting agency and the entities involved, seeking {$5000.00} per violation for willful noncompliance. 

This letter serves as your final opportunity to rectify these violations before I proceed with litigation.