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

In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.
Product: Credit card

I was told the executive office would reach out to me. They have not. When they do it will be by mail I was told. Underwriting told me to apply for another credit card. According to the letter I received I requested reissue of new cards. No, I did not. I requested my card remain open. 
They will not cancel my request to withdraw my closure request. The reasons I was given are not clear. Too many accounts opened in a short time? Which accounts? My leased car? I do not understand why my account was audited if all my payments since XXXX 2016 were more than the minimum. This credit card company gave me no warning. The clerk did not transfer me to a supervisor to discuss options. On XXXX my credit score went up from one they gave me in XXXX. 
No one in this company has an address or phone number for the corporate office.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

My wallet was stolen and 18 transactions at the same merchant were used in a 45 min time frame totaling XXXX dollars. And it was clear that it was unusual transactions and they are denying my claim
Product: Money transfer, virtual currency, or money service

My phone, wallet with my debit card and credit cards, drivers license was stolen from me on XX/XX/XXXX in XXXX XXXX. When I arrived back to United States on XX/XX/XXXX I made claims over the phone to chase that included unauthorized charges. After their investigation they are claiming I made the purchases and denied my claim. They are unwilling to help me further. 
The unauthorized transactions occurred on XX/XX/XXXX. XXXX chase XXXX payments. XXXX of {$200.00} and another of {$220.00}. 
My mother called chase to freeze my account while I was in XXXX because the people who stole everything from me had access to my phone and my personal information they had access to everything. XXXX was unwilling to help until my account went negative and I wasnt answering my phone calls ( because my phone was stolen ). I had to get everything replaced all my cards and debit and unfreeze my account and they still claim it was me. I need help please.
Product: Checking or savings account

I am writing to complain about a denial of account opening without explanation. At the beginning of XXXX, I tried to open a checking account over the phone with a BMO bank representative. I was denied without a reason, merely that I would receive a letter in the mail explaining why. The letter arrived ( this can be viewed in the attached documents ) but there was still no explanation, just a vague referral to a XXXX report which was allegedly not a factor in the denial. I spoke with XXXX subsequently and received their consumer report which contained ZERO flags or delinquent accounts. This report is also attached. 

I make over $ XXXX and my XXXX score is over XXXX. BMO owes me an explanation SPECIFICALLY why this account was denied. I expect a BMO representative to CALL ME with this explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide provides consumers with the necessary proof of investigation. These are the following accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following unauthorized inquiries be removed from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my consent or authorization. 
Unauthorized Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX o Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was in a car accident and the vehicle from XXXX was deemed as a total loss. After I surrendered the vehicle to XXXX XXXX I did not receive any information regarding once the vehicle was resold, what was the remaining balance. I also attempted to send in a certificated security to take care of the remaining balance. Stated in their XXXX reports, they use our contracts/applications and sell them as asset-back securities. I have attempted to discharge the debt after my hardship and have not received my security back nor have I been contacted with up to date information on the vehicle. 

The XXXX XXXX XXXX XXXX XXXX now owns all debt belonging to XXXX XXXX. Per XXXX XXXX, any information and property belonging to XXXX XXXX, is liened is at {>= $1,000,000}, XXXX XXXX dollars. ( First in line, first in time ) I also rescind my contract from all security interest in said contract. 
15 USC 6802-6805 Obligations with respect to disclosures of personal information 16 CFR 313.7 Form of opt out to consumers 15 USC 1681 Congressional findings and statement of purpose 16 CFR 433.1 Definitions ( Debt collection practices ) 17 CFR 230.424 Filing of Prospectuses, number of copies 15 USC 1681 ( b ) Permissible purposes of consumer reports 5 USC 522 ( a ) Records maintained on individuals
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing in response to your CFPB complaint response XXXX : XXXX, please see my detail follow-up response below. 

On XX/XX/2023 I made a Complaint stated that PayPal placed a restriction on my PayPal account and that several PayPal accounts were fraudulently created using my identity without my authorization. I requested that PayPal investigate and restrict the allegedly fraudulent accounts, and restore full access to my PayPal account. 

On XX/XX/2023 I receive your response asking me to provide my copy of PHOTO ID to XXXX so that you can start your investigation. I have already sent out an email to you with my PHOTO ID attached and it's been 10 days, I have not received any updates neither a response from your team. This being said, I am filing a follow-up complaint to know about the root cause of the issue I stated in my previous CFPB complaint No : XXXX and expect a clean, transparent professional response with my issues resolved. 

Thank you!
Product: Debt collection

The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers XXXX : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX I find I have fraud account with a Company name Deville Asset Management XXXX XXXX XXXX, XXXX, TX, XXXX. I find this account because my credit score was down in my XXXX XXXX, I send a police report with attach letter explain I am a victim of identity theft, this Company still not doing any investigation to fix this Fraud which is affecting my life, my Finances and my name.
Product: Credit card or prepaid card

I decided to apply for a secured credit card with discover to help my credit score. They accepted my application and took {$500.00} out of my checking acct. i received the card and tried to spend {$25.00} at XXXX, i was denied. I called they told me they blocked my card to verify my information. I asked why didnt they do that before taking my money. But fine. I filled out the irs form they sent me. I received an email a week later saying they couldnt verify my personal information and they closed the acct. what did i do wrong? Why didnt they verify all of my info before taking money to secure my account? Now this is about to show up on my credit report as an inquiry and a closed account by discover. Which is gon na hurt my credit and i did nothing wrong. And i have to wait another month or more for my {$500.00} to be returned. How was my information verified? And how do i prove im me. If all they asked me to do was fill out and irs form and i did that.
Product: Credit card or prepaid card

Merchant charged my credit on XXXX/XXXX/XXXX in the amount of {$150.00}. I called merchant to let them know I have already canceled my service. Merchant refunded full amount of {$150.00} on XXXX/XXXX/XXXX. I wrote to Chase Bank and filed dispute. Chase removed the charge and then reposted in my account. I even attached a copy of the receipt to show that merchant had refunded all credit. I wrote to them a few times but never heard from them. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Checking or savings account

I went to a Chase Bank on XX/XX/XXXX to open up an account and was told that someone had previously opened an account using my social security number on my XXXX birthday. ( I do not have an account with this bank ) On XX/XX/XXXX, I was told by numerous people at Chase that I needed to file a claim before anything could be done, which included providing proof of my social and filing a police report. On XX/XX/XXXX, I filed a police report and returned back to Chase Bank with all of the completed requirements in order to file my claim. When I returned to Chase, I was told that there was no record of my social being in their system and that obviously the claim had been taken care of. How could the claim have been taken care of if I hadnt even filed one in the first place? And how is there no history record of my information being in their system for almost 20 years? I received a letter in the mail today from Chase stating that my claim filed on XX/XX/XXXX has been taken care of. I never filed a claim on XX/XX/XXXX. I am also being told that no information will be given by chase Bank to the police regarding the theft of my social. Its a little strange to me that for almost 20 years my social has been on an account and no one notices anything until I start looking into it, and once I do all of a sudden the information is wiped from their system and theres no record of it? I find that extremely hard to believe and the fact that I continue to be dismissed by Chase makes me think that theyre trying to cover something up. I really need help getting to the bottom of this so any assistance would be greatly appreciated. Thank you! 

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

The XXXX account negatively effecting my credit report was a mistake. I paid and closed the account. They still reported it to the Credit Bureau. I disputed the charge 4 different times, the case wasnt looked into. XXXX says it was a mistake and they have filed a request to remove it from my account but still nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following hard inquiries are fraudulent.XXXX, XXXX, XXXX
Product: Mortgage

I paid the XXXX XXXX. 
I met with a XXXX XXXX. 
They approved my mortgage. 
Friends and Family here told me that it is very weird that they would request a divorce decree from 2007. Someone told me that is private and none of their business. 
Someone stole from my bank account this month and it doesn't say who stole the money from me. 
I got very upset. 
I was suppose to close on a house on the XXXX of XXXX. 
They never tore down the garage that they said needed to be torn down in order for me to close. 
The XXXX XXXX XXXX told me they weren't going to start it until next weekend. 
XXXX XXXX told me the re appraisal needs to be done on the XXXX if you are going to close on the XXXX. That would mean that the garage needs to be finished by the XXXX of XXXX and it won't be. This is very unfair and mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for these inquires. These are unauthorized inquiries please delete immediately. Also, this late payment isn't correct. The company made an error, please remove late payment as it is inaccurate and hindering my ability to obtain employment and obtain a new job.
Product: Checking or savings account

In XXXX I received a settlement due to my late husband 's death in XXXX. I was due to over the counter XXXX XXXX. The amount was XXXX XXXX, I went to my Bank Zion 's Bank  in XXXX Utah on XXXX. They would not deposit the check. I went to Zion 's Bank XXXX with court documents and they deposited the check. The XXXX XXXX called me and ask why I didn't cash it with her. I told her she refused. My ex grown step daughter that I had not see in eight years after she left two of her children with me came from California to Utah and wanted to live with me. I planned a trip to XXXX in California and I had XXXX XXXX  when I left and when I got there my card started declining I called the bank and they said oh okay you can use you card. I kept declining. I opened a claim they approved the claim did not return my money and told me I was over drawn. I had three open XXXX XXXX  after that the doctors did not know what caused it. I went to the bank and they demanded XXXX XXXX  overdraft I asked them where was my XXXX XXXX. They were very rude. I asked them if my ex stepdaughter opened a account there and they said yes and showed me. They then told me to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my Equifax credit file from 7 different banks, which include : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX bank. I don't recognize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.