23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was a checking account and savings with bank of america opened fraudulently on XX/XX/XXXX with my personal information. The checking account was closed with a negative balance of XXXX on XX/XX/XXXX the savings account was closed with a negative balance of XXXX on XX/XX/XXXX. There was also another checking account opened with bank of america on XX/XX/XXXX and closed on XX/XX/XXXX that is reporting on my XXXX XXXX  consumer report and the information is inaccurate the name does no match mine and the Social Security number does not match mine either. I only found out about this issue when I tried to open up a checking account and was unable to and was informed of the negative info on my XXXX  and XXXX XXXX  consumer reports. I have reached out to the financial institutions to resolve the issue but they have not been willing to help even though I have made them aware that the accounts reporting negatively on consumer reports are a result of fraud but they have not removed them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter of verification to Experian, XXXX and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX Mechanics Bank XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ) created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXXXXXXExperian Information Services XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies.Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is blocking and choosing which credit accounts go on my personal profile and they are violating my rights under the Fair Credit Act
Product: Credit reporting or other personal consumer reports

Someone is applying for cards .... refi of my cars... trying to get into credit unions and bank cards .... but it seems they are using my address... .. which makes no sense. 



Removing 60/80 inquiries .... too much to mention .... had fraud alert placed on my report ... .. all 3 bureaus complicit.
Product: Debt collection

On XXXX I was in the ER of XXXX XXXX XXXX ( XXXX. ) in XXXX, NJ. I never received a bill. Fast forward to XXXX I received a collections notice. I phoned the company to find out why I was in collections. I told them I never received a bill and I don't know what they are talking about. I then called my insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and  after looking into their records they could not find any claim for {$2800.00} for XXXX. Called collection agency again, they said I didn't get a bill because the hospital had the wrong address. I called XXXX. and they said it was my fault because the address was wrong. 
I said to her, " Why would I give you the wrong address when I have great insurance and it would have been paid ''. She just put the blame on me and hung up. I called my insurance co. and we called collection agency together to try and resolve. After more digging the insurance company said that the claim was " purged '' and that they can try and get it " unpurged '' but that I will not be responsible because of time frame and they had the wrong address. She also told me XXXX or I may not be responsible because of the statue of limitations and they will tell the collection agency that they can't collect from either of us. Approximately 30-days later I received a call from XXXX saying that they are not responsible because of the statue of limitations and that I'll be responsible. I said to her, " What about informing the collection agency that I am no responsible either? '' She backpedalled and said becuase they are out of XXXX  they have no legal right to direct the NJ office to tell the collection agency they I am not responsible either. This is so unfair. When I went to the ER the nurse had to come get me from the ladies room where I was found on the XXXX in the XXXX XXXX in so much pain. Between XXXX and the pain I was in, they should have gotten my information from me when the Dr. administered the pain medication and I could think straight. Why would I give them the wrong address and give them the correct address of the company I worked for??? And how is it that the collection agency found me and the hospital couldn't. There is no such address because I looked it up. So, they had to be getting letters back as undeliverable. They just didn't want to do their due diligence to find the correct address. I'm listed if you do a 30 second search on the internet for me! And the collection agency just keeps telling me, Well, sorry the insurance company won't pay, we can set up a payment plan for you. It's unfair that if someone would have went an extra step further 6 years ago we would not be in this position. Now the bill is still unpaid, still on my credit report, AND although I am said to have really great credit I can not get a mortgage because of this fiasco on my credit report. So, I sit and cry because I'm exhausted from fighting. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XX/XX/XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had died on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and  whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad dies three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
Product: Debt collection

On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit information.
Product: Credit reporting

Equifax is still reporting as open accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Bankruptcy was discharged XXXX XXXX, 2015.
Product: Credit card or prepaid card

I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.
Product: Credit card or prepaid card

On or about Tuesday, XX/XX/2021 I reported a number of fraudulent charges made on my Chime prepaid Visa card. I had previously sent an email to Chime customer support via the app advising them of these charges but nothing had been done to close the card and no claim was filed on the transactions. Additionally, when I finally filed my claim on XX/XX/2021, I received an email less than an hour later from Chime denying my claim. My research indicated that Chime routinely fails to properly protect its customers from fraudulent charges, circumventing federal law that requires them to do so. It is impossible for Chime to have actually investigated the charges in less than one hour to make sure a conclusion. In addition to this CFPB complaint, I also expect to file a lawsuit against Chime in order to redress this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Inquiry XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, MO, XXXX
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I attempted to log into my online chase account. Instead of accepting the login, I was greeted with the following message ( screen shot included ) " Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ( depending on the type of account you have ) ''. 

This was followed by a list of phone numbers for different areas of the bank. I have personal savings, checking, joint accounts and credit cards with Chase, so I chose to call the # for banking as instructed. 

However, upon reaching a representative I was told my account has been permanently suspended, that " nothing '' could be done and all accounts would be closed at the end of the month. She could not tell me why and informed me that if I wanted to know I had to go into a branch to talk to a banker. She also stated there was a note on the account stating I had been notified. This was 100 % false, as I only learned of the situation when I tried to log into my account ( that had been working fine a day or 2 previously ). 

Upon learning this disturbing information from the phone representative, I was compelled to drive 86 miles round trip from where I was at to the nearest branch. 

I met with a banker. He accessed my account and called a higher customer service number. I was told he sees this situation from time to time where accounts are closed and Chase never offers a reason ... not even to the bankers. 

Keep in mind, when I try to log in online, the message states my access has been " suspended for my protection ''. The message says nothing about account closure. 

I fail to understand how closing all of my credit cards that are consistently paid and not in default " protects '' me. My credit score is over XXXX and I have been loyal to Chase since the XXXX 's and referred numerous customers over the years. If there is an issue of concern, at least have the decency to tell me what it is so that I may correct moving forward. 

Also I am concerned they have extended this issue to my Mother, with whom I am on a joint account with. Her involvement with Chase is limited to her personal checking and savings accounts. I would be ok with removing me from them if this is an issue.
Product: Credit reporting or other personal consumer reports

My purse was stolen during a football game in XXXX  included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX include XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.
Product: Credit card or prepaid card

I have had close to {$1000.00} deducted from my account ( Cash App ) which they tell me is for errors however they keep taking {$100.00}, {$200.00} and today {$400.00} ... they refuse to investigate my account and hang up on me when i get through. 
They have stolen money from my account.
Product: Debt collection

XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a Sears credit card. I do not own a Sears credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
Product: Bank account or service

I opened a Citi Checking account online. Afterwards, I have so much trouble to set up the online access. After several hours of calling and spending on the phone, I finally gained access to my checking account. Citi disclosed that it has encountered technical problems which lasted almost two weeks. 

However, when I tried to link the my Citi Checking account to my another bank account, Citi bank asked several questions trying to verifying my identity. The questions are all pertinent to my XXXX children. I have not been in contact with them for almost twenty years and I have no idea when they are. Because I cant ' answer the questions pertaining to my children, I was denied the link to my other bank account. 
The questions chosen by Citi Bank are arbitrary and capricious.
Product: Credit reporting or other personal consumer reports

Experian is reporting the above account as 30-days late in XX/XX/2023 after previously reporting the account as XXXX for XX/XX/2023. I timely sent my payment to the bank, but they never credited the payment. I normally pay online, however, there was a problem with the banks system and the bank would not allow me online access to my account. The website problem has only recently been fixed. Regardless, I mailed the payment in time for the XX/XX/2023 payment. I informed the bank of all of this and expected them to report the account as current in XX/XX/2023.