23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX 2017 I was notified via a credit monitoring service that Chase Bank had ran my credit report. I called Chase, and verified that this was fraud. They said they would take the inquiry off my report. <P/>The following week, I called XXXX and placed a 90 day fraud alert on my social security number. During this 90 days, anytime someone attempts to run my credit, there is an alert that states fraud has occurred, and to please call me, and it lists my cell phone number. <P/>Since I placed that fraud alert, Chase has ran my credit report 2 more times. The inquiry from XXXX is still on showing on my report, along with 2 more  inquiries. <P/>Chase has not helped whatsoever. I have spent hours on the phone with their fraud department, credit bureau department, and others. <P/>Chase needs better procedures to protect consumers against fraud, especially when there is a fraud alert on my social security number. They also need to be more proactive in removing the inquiries. <P/>Currently my wife and I are applying for a mortgage, and these inquiries have lowered my score, and are causing me to be offered higher interest rates.
Product: Money transfer, virtual currency, or money service

WHERE IS MY XXXX BITCOIN?! PAY ME NOW!
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

DELETE XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I contacted XXXX XXXX, XX/XX/2018 to let customers service know that I was faced with a temporary hardship, I was recently diagnosed with XXXX XXXX XXXX/ XXXX XXXX.And was explaining to the customer service representative that I would be a little late making my monthly payments on my account, the representative told me the only option that were available were a hardship program that I could I enroll into. The representative didnt cleared explain the policy and rules. However she failed to mention that my accounts would be closed permanently. I wouldnt never told her to close my accounts permanently. I have never been 30 days past due on none of my credit cards with this company. I had just taking 2 forms of XXXX treatment whenever I was talking to customer service. I was experiencing XXXXXXXX XXXX.I have been a customer with this company for years. This company closed my account without my permission or consent. I was only asking the representative for temporary help until I finished my XXXX. Never thought I would end up with my accounts closed that I have never been 30 days late on because I simply asked for temporary help during a time I was diagnosed with XXXX. I have done a lot of business with this company. The representative was aware that I didnt understand the terms and conditions. She had me thinking she was really trying to help me. I was totally mislead. And she were fully aware that I were looking for help temporarily. This is totally unfair. The other credit cards that I have with the company, they reduced my credit limits on my cards, due to the fact I was faced with a temporary hardship My accounts were in great-standing and never 30 days past due. This company ruin my credit score due to lowering my credit limits and closing my accounts that  were in great standing. I contacted XXXX XXXX several times and ask them to reinstate my credit cards that they closed without my permission or consent. But they refused to reopen them. I have never signed any type of contract to have my good- standing accounts to be closed. I were never informed of their terms and conditions on entering their hardship program. I have never received any type of information in mail or anything concerning the steps or terms of their hard ship policy. I feel XXXX XXXX discriminated against me after I told them I had XXXX XXXX. And if XXXX XXXX  tries to say the reason they decreased my credit limits on other cards were my credit score, that would because they closed out 4 of my credit card accounts that were in great standing for years. This company only cares about themselves.
Product: Checking or savings account

My Cashapp card and account has been compromised and declining since XXXX of 2023. I would like to file an immediate request for full reimbursement and damages because of this inconvenience. I use Cashapp as apart of my business for convenience to most of my customers.
Product: Debt collection

I disputed with Experian over XXXX  days ago and they have failed to provide a proper investigation into the disputes I've submitted concerning multiple inaccuracies on my report regarding XXXX XXXX XXXX and XXXX XXXX XXXX. I have disputed multiple accounts with Experian but they have not properly verified the accuracy of these accounts. Despite providing documentation and requesting verification, they have either ignored my concerns or failed to conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). This is a violation of multiple FCRA provisions, including the duty to investigate, correct inaccuracies, and communicate the results of their investigation in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that I own money to the XXXX XXXX XXXX is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And XXXX XXXX which Im up to date on
Product: Credit reporting or other personal consumer reports

The accounts are showing closed charged off, if the accounts are charged off then I should be sent 1099c to file it on my taxes and I am yet to receive the 1099c
Product: Checking or savings account

I sent a check to them via usps priority mail. It was then picked up by XXXX XXXX at XXXX according to the post office records. I called on Monday to ask if they can just confirm they did receive it : the agent XXXX told me he could not check and I would have to just wait if they got it before XXXX PST it would be processed same day if not the next! I called again XX/XX/18 and spoke to XXXX who then looked in the ledger this time and said he did not see it was inputted meaning they have not started processing it nor could anyone confirm they have it but havent got to it. Since the value of the check was over XXXX I wanted to make sure someone from their company did indeed pick it up but he said that was not possible. I then sent two support emails asking for a follow up to which both were closed without any follow up. I now have no clue what is going on, when my check will be processed or if their team even has it.
Product: Debt collection

See uploaded document dated XXXX ; CHASE BANK unlawfully foreclosed on Complainant and sold his house to XXXX XXXX for {$10.00}, XXXX dollars, using the Law Firm, XXXX and XXXX, XXXX. This Law Firm used 3 banks outside of the chain of title, XXXX XXXX being the bank that has the most recent security. It appears as though every reference to XXXX XXXX   has disappeared in the Deed and Record room of XXXX County Georgia. The private contract on file : XXXX  XXXX XXXX XXXX US XXXX at Department of Justice, DOJ, dated XXXX shows that XXXX XXXX  is in the correct chain of title, and a also shows a TRUE BILL and commercial lien on the property.
Product: Credit reporting or other personal consumer reports

I have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( XXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.
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. 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 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. Please delete the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ava Finance has be in clear Volation of my rights. The law states a creditor may not report a late payment for any reason unless a notice is sent 21 days prior to a payment is due 15 usc 1666B I never received any such notification if Ava finance claims to have sent me that notice please provide proof I received it by showing a tracking number and a green return receipt showing I received such notice. Ava finance is also guilty of reporting I was on time on

XXXX XXXX XXXX XXXXXXXX XXXX XXXX But late on XXXX XXXX XXXX XXXX. This will be clear for a judge to see and I will received {$1000.00} For the Volation.

Ava Finance shall update all payment history as paid as agreed immediately this late payment have damaged my creditworthiness and it has stopped me from getting approved for a house. I will definitely take your company to court if this matter is not taking care of as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accessed my account for a hard inquiry without my permission or authorization
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that TransUnion investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation 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, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

Applied for a DISCOVER Card and was approved. The inital approval was ONLINE and a card was mailed to me. 

The AFTER the approval, Discover Card send me emails threatening me that if I did not fill out the Form " Discover IRS Consent Form XXXX  '', they would fircibly close my account and report it on my credit Report. 

I called them on XX/XX/year>XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX located in the Ohio Location stated that if I did not fill out this form by XX/XX/year>, ny accout would be closed. 

This would be a BAD CREDIT ENTRY on my credit report. I find this a threat by a Credit Card company to force Disclose of my Personal Information that was NOT required when I signed up and was approved initlaly by Discover Card.
Product: Debt collection

I am writing to file a complaint regarding an issue with Credit Collections that I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and discovered a collection account from XXXX XXXX XXXX XXXX listed by Credit Collections. I never received any notice about this outstanding bill. Upon discovering this, I immediately called Credit Collections, paid the account, and requested its removal since I was never given the opportunity to dispute the debt or pay it before it was reported, which are my rights under the FCRA. They confirmed they had mail returned on my account but still refused to remove the account. 

Following their instructions, I mailed a letter disputing the account and also disputed it with the credit bureaus. Despite this, the account remains on my XXXX and XXXX credit reports. Additionally, when I call

ed Credit Collections, they mentioned another bill for over {$800.00} related to a lab, which I also paid. I provided my address to receive these bills but never received them. Credit Collections has ignored my letter of dispute and continues to verify the incorrect information
on my report. I believe their actions are a violation of the FCRA, as I was not given proper notice and they have not addressed my disputes appropriately. 

I would appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue.
Product: Debt collection

Portfolio Recovery Continually Calls My XXXX Year Old Mother 's Home Phone And Cell Phone To Try To Collect Debts Relating To Her Daughter. Called Her Cell Phone Today From XXXX. They Have Called From Numerous Numbers From XXXX And XXXX And Others.
Product: Debt collection

XXXX-Current, Seller XXXX XXXX XXXX XXXX trustee for computer learning centers, states that a dispute from Portfolio Recovery Associates, XXXX ( " XXXX XXXX '' ) that I owe a balance of XXXX from XXXX, I paid XXXX dollars to settle this account in or around the years of XXXX to current. They submitted documentation to me regarding an educational loan back in XXXX, where I am the buyer of an educational course from computer learning center of XXXX, which was located at XXXX XXXX XXXX XXXX, XXXX, il XXXX. I would like to know how I am still responsible for this and why their is a lean on property against my name for this account till this current date and I was able to purchase as a buyer an educational course but not an apartment or an house.
Product: Checking or savings account

I signed up for a promotion with Santander Bank. The terms of the promotion were that if I have {$4000.00} in direct deposits in the account I would be credited with {$400.00} after 90 days. I opened the account online on XX/XX/XXXX through a promotion code sent to my e-mail ( XXXX ) and called after opening to ensure the promotion was attached to the account. I received direct deposits of {$2000.00} on XX/XX/XXXX and XX/XX/XXXX. I received a call a week after the second deposit on XX/XX/XXXX letting me know that I had met the terms of the promotion and would receive a payout today, XX/XX/XXXX ( 91 days after opening ). I set a few alerts on my account so I would be notified when the promotion was received. 

Today, the promotional bonus was not in my account and I called Santander to inquire as to the status. I spoke to a representative XXXX who confirmed I had met the terms of the promotion and the marketing team would be evaluating the account tomorrow and I would receive payout over the next few weeks. He said that I was only at 60 days and I pointed out that 90 days had expired yesterday. We went back and forth on this issue for a while until he figured out he was not counting XXXX (! ) It's one thing to say I need to wait a few more days or another week even, it's another thing entirely to tell me to wait another month. I don't appreciate the runaround this bank has given me and the misinformation I received. I have met the requirements for the payout and they are delaying for no reason.
Product: Debt collection

See attached. I received a text message about an alleged debt by credit collection services. They gave me the option to stop contacting me and I text stop and they text me again. They are in violation of my consumer rights I want them to cease and desist as pursuant to 15 usc 1692c ( c ). I requesting that pay me {$1000.00} for civil liability due to the fact they are harassing me, they are not adhering with the fdcpa. I never even gave them consent to even contact me. They need to cease and desist and pay me {$1000.00} for violations.
Product: Debt collection

on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?
Product: Mortgage

I requested a mortgage payoff letter from Freedom Mortgage. After the payoff letter was issued, Freedom imposed a {$30.00} fee for that letter. I closed my mortgage with a different loan company and my HUD-1 statement does not include any such fee for a mortgage payoff letter. Freedom claims ( in a phone call on XXXX ) that since my mortgage was sold to them, that I need to comply with their fees. I had no say in my mortgage being sold to Freedom and should not have to pay any additional fees beyond those that I agreed to when I closed on my mortgage. I am seeking a refund for the {$30.00} fee including lost interest. Thank you for your assistance.
Product: Mortgage

I had a mortgage from American Pacific Mortgage, but they sold it to XXXX XXXX in XX/XX/2016. Since then, I make all payments to XXXX XXXX. I just got a notice from American Pacific Mortgage in the mail which says : " We would like to discuss your American Pacific Mortgage loan. Based on current records, you may be eligible to refinance your current adjustable rate mortgage with no application fees and no appraisal fees. '' On top of this very misleading message, I've never had an adjustable rate mortgage. 
This is trying to get me to refinance by scaring me about a mortgage I've never had!
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/XXXX, I received several alerts that there were hard inquiries on my credit reports. I did not apply for any credit on XX/XX/XXXX, or any other time recently. I created accounts online with all XXXX  credit bureaus and froze my credit. I was able to start a dispute of the incorrect inquiries with XXXX, but Transunion said I needed to submit a letter to them from the financial institutions that made the inquiries, while XXXX said that I would not be able to dispute the transaction, and that my only recourse would be to contact the financial institutions that made the inquiries to ask them to remove them.
Product: Debt collection

I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX in XXXX. Thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under XXXX XXXX XXXX a complete new name. They can not produce any recordings or my picture ID or wet signature they just keep re-selling the account from collection agency to collection agency. For the same debt I have sent my ID and SS #. Again in XXXX same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why then was the account removed from all three bureaus and re-sold again. And here we are again in XXXX once again the file has re- appeared on my credit file under a new name Enchance Recovery COL This company does not even own the file and they are trying to collect from me a debt that is not owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a few accounts that need to be deleted from my report that aren't mine.
Product: Credit card

I was involved in a case of identity theft and this involves my bank credit card, the bank gave someone else access to my account and he made fraud charges. 

The total amount is {$4000.00}, and my credit limit is only {$500.00} The Bank is Citizens Bank Credit Card Company.

I have a few statements on my account with someone else 's name on them. 

I have a police report and an Identity theft report as well. 

They wanted to provide Citizens Bank Credit Card with a copy of those but did not want them. 

This issue has been going on since XXXX.