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

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX ( XXXX XXXX ) XXXX account ending in XXXXXXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXXXXXX XXXX- account ending in XXXX XXXX - account ending in XXXX 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 that a consumer reporting agency can not furnish an account with 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 conviction 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am filing this compliant for misleading false reporting information
Product: Credit card or prepaid card

XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I am writing this letter because I noticed that my most recent credit report contains one late payment, reported in XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 



I want you to know that I understand my financial obligations. I was out of town for the Holidays during this period, and I did not realize that I missed a payment on this account. I have never had a late payment since opening this account in XX/XX/XXXX. I made a mistake in falling behind, and up until now, I've had a spotless record of on-time payments with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 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 card

I have filed dispute for recent charges on my credit credit card which i haven't done. it credit and closed the case. now they again debited and saying that was final stats. they are not providing any merchant and full evidence of charges either contact info for merchant. it very large amount to male the payment. they not consider re-open the case.
Product: Credit card or prepaid card

On XX/XX/XXXX my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On XX/XX/XXXX I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On XX/XX/XXXX I received a notification from XX/XX/XXXX that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through and I had informed them of potential fraud attempt in my name on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened was based on that letter. I called the company and eventually spoke with a supervisor. The supervisor stated that they would have been unable to flag any fraud under my name until an account is actually opened. If a consumer calls you to inform you of identity theft and you do nothing to prevent fraud being done through your company that is not safe for any consumer. The supervisor also confirmed that they opened an account in my name on XX/XX/XXXX. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. How does a financial organization not have a fraud specialist that you can talk to on the phone? The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. I called back on XX/XX/XXXX and the supervisor I spoke to them confirmed that the person had made {$11.00} worth of charges but would not provide me the full card number. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun due to their lack of controls and fraud prevention.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, equifax and XXXX a detailed letter pointing on the inconsistencies in their reporting. All of the agencies have different information in which most of it is wrong. After doing some research I found that the credit agencies are to file all of the information reported to them accurately or mostly accurate. If they are getting their information directly from the creditor, why is there incorrect information listed on my credit report. They may not care about how they handle peoples credit report but I do. This is my livelihood. I gave them more than 30 days to update the information or remove it. They did not respond. I am a tax paying citizen and I would simply like to be heard and my right honored. I have detailed what errors are listed for them with a screenshot of the inaccurate accounts I have. I have done my part and I am simply asking them to do theirs. I will attach more details.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$4900.00}
Product: Credit card

I have been a loyal customer of Bank of America since XXXX and I always pay my balance on time. However, Bank of America kept bringing me troubles since XX/XX/XXXX. 

On XX/XX/XXXX, I received an email saying that my Bank of America checking account as well as my XXXX was cancelled. Then I made a phone call to Bank of America customer service, trying to communicate with them and solve the issue. However, they said it was a business decision and Bank of America has the right to close my account without any reason. Even though they sent a check to return my balance in my debit card, they had already brought much inconvenience to me because I relied on the debit card to pay my credit card. 

In the beginning of XXXX, I received a letter from Bank of America. The letter said that they decided to close my checking account due to security reasons and they may inform other banks not to open checking accounts for me. The letter made me heartbroken. I still did not give up on solving this problem, and I communicated with Bank of America customer service again on XX/XX/XXXX. The customer service told me that I was not involved in any illegal activities and they would not inform other banks not to open checking accounts for me, but they could not reactivate my debit card. I felt I was discriminated by Bank of America. Then I had to open a new checking account in another bank, but it took some time so I could not repay my credit card on time. 

After XX/XX/XXXX I hosted some friends who were traveling in the United States. I used my Bank of America credit card to pay for their accommodation and transportation, which was a large expense and made the credit balance worse. A siginificant part of my income is foreign income so it takes me some time to exchange it for US dollars. I hope Bank of America could understand me and give me some time to repay my balance. I communicated this situation with Bank of America credit card customer service in XXXX and asked them to give me some gracial period to repay my credit card, but they declined and kept charging me high interest expenses since XXXX. 

I made efforts to repay my credit card from XXXX to now, but Bank of America was still charging me high interest. In my final struggle I communicated with Bank of America credit card customer service for the last time on XXXX XXXX, XXXX to request to waive the interest charge, but I still failed. 

It was Bank of America 's fault to ridiculuously closed my checking account and made it difficult for me to repay my credit card on time. Since I always have a good credit record, Bank of America should understand my situtation in XXXX and give me some time to repay my balance. I feel that I am discriminated by Bank of America and my rights as a customer are severely hurt. I hope CFPB can take actions to protect my right.
Product: Credit card

I 'm not sure this is your issue to handle as there is no category for it ... 
XXXX XXXX XXXX has been over-charging me monthly since XXXX, 2015 by up to {$100.00} a month. I call a representative a couple of times every month to get the issue resolved and, while they are very helpful, the information seems to go nowhere and I have to deal with the same problem monthly. I am told that it 's their error and my account will be refunded but I am still waiting for the Errors to be corrected. I will submit documentation once you tell me this is an issue you with which you can help. My XXXX XXXX XXXX fees are deducted from my credit card ... I would call the credit card company and dispute it but I do n't want my phone service stopped.
Product: Checking or savings account

Chase won't allow me to login to my account. 
I put in the account information and the card number and called and they haven't allowed me to view my account. 

I have a checking account and an investment account. 
An old credit card also. 

I was attempting to open a new account. 
It says I have an old account, but I called Chase and haven't heard anything. 

My old account was closed with a XXXX balance. 
I would like to apply to the {$300.00} direct deposit bonus. 

Account XXXX
Product: Credit reporting or other personal consumer reports

Inquires that I dont recognize need to be removed as I didnt authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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: Checking or savings account

XXXX # XXXX Applied to open account over 2 months ago prior to today 's date of XX/XX/20. Received a preliminary approval and have been signet for two months. They have my information and important documents, no call or email back and total lack of professionalism on their behalf. 


Axos Bank in XXXX
Product: Debt collection

This is for Reference ID : XXXX and XXXX From Resurgent Capital Services on behalf of LVNV Funding LLC. I have never given any Power of Attorney or any of my consumer rights to the companies stated above. They are reporting balance information to consumer reporting agencies. This is a violation of The Privacy Act of 1974 3-203. I have never done business nor have a written contract with LVNV Funding LLC. Transferring a security doesn't give rights to whoever it is transferred to and only the original creditor can come after me, which is who I signed with. An ARBRITRATION agreement was signed with the original creditor and LVNV Funding LLC is not the original creditor. The original creditor did not settle in arbitration which makes any selling of the debt null and void. Once the original creditor transferred the security they lost their rights. Under UCC 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. Per 15 U.S. Code 1681 e ( b ) accuracy of report whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy and completeness of the information concerning the individual about whom the report is relates to. The IRS has not received any notification of these accounts for tax purposes. The accounts must be removed from all three consumer credit companies. You have less then 20 days to comply or IRS wil be notified of the taxes not being paid.
Product: Checking or savings account

In XX/XX/XXXX my account was hacked via fraud I reported it when the charges were still pending. Next day I got a new account. I was given funds back within XXXX businesses days. Now fast forward XXXX  months later the bank sent me a letter that I authorization the transactions and they were taking the money back. They have finally given me the number to the company that did the fraud I have called them and they agreed it was fraud sine I was not there customer. They told me to call bank back to get money back. I called bank and got run around and finial after XXXX hours I have them sending to there corporate office even thou they still taking the money back XXXX XXXXXX/XX/XXXX. To top it off the person who stole my info used my unmarried name. I got married XXXX years ago. Why would the bank even let the charges go through worh wrong name. I have XXXX days to wait for corporate to get back to me. Also my account will be negative {$1400.00}, plus there stupes over draft fees of {$35.00} daily. Wellsfargo is horrible ans dont help there clients. Please help. I can give u more info if needed.
Product: Debt collection

The National Service Bureau made initial contact at XXXX XXXX on a Friday afternoon, a time that made it impossible to satisfy their demand to pay the debt immediately. This is in violation of the Fair Debt Collection Practices Act.

Manager, XXXX XXXX threatened that if I did not pay a deposit of at least {$50.00} TODAY, that she would file a petition for suspension of my driver 's license and registration. Under protest, I began to give my credit card information - but relented when she said that she would also require a verbal promissory note. She stated, " We've had this on file for 30 days, '' and that this is a " courtesy call '' although eventually she stated that " we don't even have to call you. '' When asked to provide any written documentation at all, she refused saying " we don't send emails '' and that " you'll see on Monday when your license is suspended. '' I never received a debt collection validation notice, and XXXX XXXX refused my request to send one before I gave her my credit card information. This is also a direct violation of the Fair Debt Collection Practices Act.

Overall, the call was threatening, bully tactics were utilized and I was given no reasonable amount of time to either dispute the debt or validate this debt collector 's legitimacy.

The violations to the Fair Debt Collection Practices Act are clear. 

I have been financially cooperative in this matter, in good faith, more than what I was required to do. This should demonstrate my intentions. Had I been rightfully and legally notified I would continue to respond responsibly.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX Account # XXXX Open XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent another certified letter to Equifax regarding XXXX XXXX XXXX. 
There's still no update from Equifax & also XXXX XXXX XXXX. This report is in Ref to report # XXXX