23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Please remove all late payemnts related to XXXX XXXX within 4 days under section XXXX. Late payments are listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. XXXX and Equifax will not remove this collection or inquiry that were also affected by these events
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Bank of America to advise them that I was overcharged for internet/phone service by XXXX on XX/XX/XXXX for {$65.00} and XX/XX/XXXX for {$65.00}. The internet/phone service was cancelled with XXXX  on XX/XX/XXXX but the merchant continued to charge the credit-card account. Bank of America failed to investigate the complaint and did not address the dispute within the required 90-day time period requirement as mandated by the Fair Credit Billing Act. Instead, on XX/XX/XXXX, Bank of America sent a letter indicating that they could not help me because " the merchant have the right to receive payment for any services that were rendered, '' -- which obviously shows that Bank of America did not investigate this matter because the entire dispute hinges on the fact that services were cancelled with the merchant, not about the quality of the product/service. 

Please review and advise. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/202XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

Hello- I have multiple business bank accounts with Chase. I opened up a new account for a property refinance. The account was opened last week and I was sent a wire for {$350000.00} on Tuesday. The wire has not hit my account and Chase 's wire department has frozen the funds. When I call Chase they send me around every department telling me the wire department doesn't have a phone number and they can't get any answers from them. My money is now frozen arbitrarily without any access to it. 

The worst part is this is now the second time this has happened at Chase. It was the same exact circumstances the first time around where I opened an account for a refinance. It took 2 weeks for the issue to be cleared up and they promised it would never happen again. Unfortunately I believed them and tried this a second time.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries and wrong address, and XXXX unrecognized phone numbers on my credit report, and also i don't have a access to my XXXX account some reason my login information didn't match i also attached IDtheft report. 

XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 XXXX XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unrecognized address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unrecognized XXXX numbers XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain inquiries from my credit report. As a victim of a data breach, I believe the inquiries listed below were made without my authorization and are the result of fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), and 605 ( b ), I ask that these inquiries be removed immediately. 
Inquiries to be blocked and deleted : XX/XX/XXXX
Product: Mortgage

Our mortgage was sold from XXXX to Loan Care sometime late last year. On XX/XX/XXXX we received modification paperwork from Loan Care. Loan Care received the paperwork on XX/XX/XXXX and it was signed and notarized by their people on XX/XX/XXXX. Somewhere along the way ( not sure when ), the loan was sold to XXXX XXXXXXXX XXXX and we were told the modification paperwork would be sent to them by Loan Care. We have received bills from XXXX  XXXX XXXX and have paid the payments. On XX/XX/XXXX, XXXX  XXXX XXXX sent us paperwork saying our modification was denied because they didn't get our paperwork. I emailed the paperwork to XXXX XXXXXXXX XXXX but they said we have to start all over and go further into debt ( we started out owing {$2000.00} and now we are over {$5000.00} and counting ). When we called Loan Care, they said that it wasn't their fault they didn't send the paperwork over and that we'll " just have to start over ''. Absolutely ridiculous and a total scam of our money!!!!
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS,  in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I checked my balance late XXXX on XX/XX/XXXX, my balance was XXXX dollars plus change. The morning of XX/XX/XXXX, I checked my account to find the balance much lower. I checked my transactions to find I had been double charged for the following purchases. 
XXXX : XXXX, XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These amounts were again deducted from my balance and total XXXX. I called my bank, Capital One, and they explained a glitch had occurred and it would be fixed by the next day. Later on that same day, I made a deposit of XXXX at Capital One Bank. After the glitch was repaired, my balance was much lower than it should have been. I was expecting to see a balance of about XXXX and the account showed XXXX. These transactions came in overnight, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I spoke to customer service and a manage by the name of XXXX at the bank 's XXXX number just to be told the bank was correct. Obviously I do not agree. My balance of XXXX, deposit of XXXX and elimination of XXXX double charges minus the XXXX overnight charges, my balance should be greater.
Product: Checking or savings account

On XXXX I returned a purchase at XXXX, I was told by the employee at the target location and by the target corporate office that the refund would occur within a matter of minutes. As of XXXX, my banking institution has done nothing and in fact doesn't even show a pending deposit for the refund. I had contacted SoFi Bank regarding the matter on XXXX, I provided the purchase receipt, the refund receipt, and the confirmation of such in my target online account, they have refused to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Checking or savings account

I set up an account with Chase Bank online on XX/XX/XXXX, I was given a direct deposit form from the banks website that had a routing number that was no longer in use by Chase Bank ( XXXX ). I was told today that this routing number has not been used since XXXX of XXXX. Chase bank sees the direct deposit in their bank under the above routing number and the proper account number. Even though they admit their are are in error they are telling me the earliest I may see my money is XX/XX/XXXX or after. This is causing a financial hardship on myself and my family. I do believe by Chase bank providing me incorrect information is a form of fraud on there part. The routing should have been removed from their website when it was no longer and use. I also feel that when I spoke with Chase Bank on XX/XX/XXXX the money should have been put into my personal account since this was an error created by Chase Bank, and not making me wait tell Chase bank gets around to fixing the mistake at their convenience.
Product: Credit card or prepaid card

Capital one my card was lost and someone transferred money from my bank to my card and and now Im in debt cause of this situation and capital one said there was nothing really they can do it was this past summer in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My account with 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 XX/XX/XXXX to XX/XX/XXXX 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 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 reporting or other personal consumer reports

XXXX is committing Fraud and XXXX XXXX, chase credit card is committing fraud.XXXX  is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the XXXX XXXX XXXX XXXX XXXX which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from XXXX? This is. a clear case of Fraud and a violation of the FCRA. Chase credit card has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against XXXX and XXXX XXXX, chase credit card if this is not correct ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14TH 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I ca n't view my credit reports and YOU are costing me Section 8 Housing. The apartment complex denied my residency. I only have a few days for an appeal. HELP me, PLEASE!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience were Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian in action violates Federal law and my rights as a consumer.
Product: Debt collection

Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.