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 has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : XXXXXXXX XXXX  XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name ; XXXX/XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account name XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX/XXXX # XXXX Account name XXXX/XXXX  # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX 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 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 US 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

On XX/XX/2019- I contacted Experian requesting to have the Fraud Alert that was present on my credit report removed, after getting a new phone number and already had updated the alert with my previous phn number months prior. On this day, the representative I spoke with confirmed that the alert was removed and I even received an update via my Experian monitoring services being it was submitted as a dispute. I requested to have it removed as a whole, due to being in the process of trying to rebuild and re-establish my credit, and the alert overall was just becoming an issue, keeping me from being approved credit at all. The agent advised me that the removal would take a 24-48 hrs to update on my credit file. 

As of today, XX/XX/19 - I have been denied credit by creditors all due to being unable to verify my identity due to fraud alert, and showing a phone number I haven't had in years. So when they call it they couldn't reach me, and so my application ended up being denied. 

XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19: XXXX XX/XX/19: XXXX XXXX  XX/XX/19 XXXX XXXX : XX/XX/19 : XXXX XXXX XXXX  The issue I have is after reviewing my credit report Today, I noticed the an alert still there, and it wasn't the alert that was previous there. So I contacted Experian and was advised that there was some kind of issue that when I had the alert removed on XXXX  XXXX, the system unknowingly pulled an old alert placing it on my file, and the agent apologized, putting in a request to have it and any old alerts completely removed from my file, and I received confirmation of it being submitted as a dispute that was completed a few hours later receiving a confirmation email of it as well. However the issue I have is when initially applied believing the alert was removed, an inquiry was applied to my credit file for each application submitted, and to now see there was an issue caused by Experian, causing the creditors to be unable to verify my identity thru the details of the alert, so now that this issue has been resolved, I will have to re-apply with these same creditors causing the same inquiries to be added to my file again, causing my credit score to decrease in more points behind an issue Experian cause, and I think this inappropriate and unfair and because of it I am submitting this as being a complaint.
Product: Debt collection

My brother XXXX XXXX has been stealing my identity for over 10 years. He has used my identity to receive medical services and anytime he was arrested. This has caused a great amount of stress, as each time it has happened I have to file a police report, take time off of work to go to court to prove that it was not me that committed a crime and having to call each debt collector to fix these issues. 

XXXX received services from XXXX XXXX using my name and SSN and I got a collection letter 3 years later for this. I have called Argon to explain this and mailed a letter to them with my filed and they have yet to provide me with the medical bill or any further proof that it was indeed me ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispite my multiple certified letters, disputes, my ID theft report, and my email that I sent to the CEO of experian XXXX XXXX the fraudulent account XXXX XXXX XXXX is still being reporting on my experian credit report. This fraudulent account has been removed from XXXX and XXXX credit report they are no longer reporting this fraudulent debt. I have kept records of all of my disputes and I have kept a copy of my ID theft reports! Experian has not complied with the law section 605B! My attorney has discovered the class action lawsuit that 's already taking place against experian XXXX XXXX XXXX, XXXX XXXX experian. Experian has seriously violated the FCRA laws. I will proceed and file a lawsuit with my attorney! I am well aware of my consumer rights and these are some serious Monetary violations! This is my final complaint!
Product: Checking or savings account

I was notified by Wells Fargo on XX/XX/2025 at XXXXXX/XX/XXXX via text to verify my identity. After checking my account later that day an XXXX dollar transaction had been posted in my savings account labeled " Teller cashed check ''. This was an unauthorized fraudulent transaction.
Product: Money transfer, virtual currency, or money service

I filed complained against XXXX XXXX  for below situation. Now They said they have been asking Chase to send Hold Harmless Letter in order to process refund to me but now Chase is not doing anything. I called Chase multiple times and each time they bounce my call around from one department to another over 2 hours and either hang up my call or put me on hold over and hour and never came back.

I want Chase to communicate with Risk Manager at XXXX XXXX  to get my money back to my account ASAP! 

$ XXXX was wired from my Chase bank account on XX/XX/XXXX but other party has not been withdrawn. The request for the refund has been rejected by the recipient bank and I need legal help. ************************************************************************** Bank money was sent from : Chase Name of the account : XXXX XXXX Amount : {$10000.00} ( XXXX XXXX XXXX ) Wired date : XX/XX/2023 Bank money was sent : XXXX XXXX Recipient Account Name : XXXX XXXX XXXX XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number # XXXX Bank Name : XXXX XXXX Receiving Bank address : 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Bank of America account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting

I called the court house and I got a verbal that they do n't report to the Credit bureau s I have XXXX chapter XXXX bankruptcy on my report two months apart. 
# XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pulled credit file and was numerous accounts that did not belong to me. Accounts that never should open under my identity. contacted each company, credit bureaus, and wrote 609 letters and no prevail.
Product: Debt collection

COLLECTION COMPANY HAS VIOLATED AND BREACHED MY CONSUMER RIGHTS UNDER TCPA VIII. AND FDCPA 15 USC 1692d 806 ( HARRASSMENT OR ABUSE ) ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONCESQUENCE OF WHICH IS TO ABUSETHE HEARER OR READER. ( 5 ) CAUSING A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH THE INTENT TO ANNOY, ABUSE, OR HARASSANY PERSON AT THE CALLED NUMBER.
Product: Credit card

I am writing to formally appeal the denial of my trip cancellation insurance claim for my hotel booking scheduled for XX/XX/year> to XX/XX/year>. My reservation was booked through Chase travel, and I was due to check into XXXXXXXX XXXX  by XXXX XXXX XXXX at XXXX on this date. Unfortunately, due to an unforeseen incident, I was unable to proceed with my travel plans as scheduled. 

From XX/XX/XXXX to XX/XX/year>, I was in XXXX and planned to drive to XXXX on XX/XX/XXXX. On XX/XX/XXXX, my car windows were smashed, and items from my car were stolen. This incident rendered my car unsafe and illegal to drive on the highway, as broken window fragments posed a serious hazard. Given this unforeseen circumstance, I was compelled to remain in XXXX for two additional days to repair my vehicle. This delay directly resulted in my inability to check into the hotel as planned. 
According to the Chase Sapphire Reserve Benefits Guide, trip cancellation insurance provides coverage for " severe weather, XXXX action, or other covered situations. '' While the incident involving the vandalism of my car falls under the category of " unforeseen and unavoidable circumstances '' which severely impacted my travel plans. The policy also specifies coverage for situations out of your control, and the vandalism incident directly meets this criterion. Furthermore, the policy mentions that trip cancellation benefits cover " non-refundable travel expenses '' when " a covered loss '' prevents you from completing your trip. The inability to use my car due to the damage sustained is a direct impediment to my travel, thus qualifying as a covered loss. 

To further illustrate my point, I would like to refer to the Chase Trip Interruption Insurance Basics article, which emphasizes that trip interruption insurance can cover various unforeseen events that disrupt travel plans. This directly aligns with my situation where an unexpected and uncontrollable event prevented me from reaching my destination as planned. 

Enclosed are the following supporting documents : Police report detailing the incident. 
Photos of the damage to my vehicle. 
Receipts for the car repair services. 
Given these circumstances and the supporting evidence, I kindly request a reconsideration of my claim. This incident significantly impacted my travel plans and was entirely out of my control. I believe my situation aligns with the intent and provisions of the trip cancellation policy, and I would appreciate your prompt attention to this matter. 

Thank you for your understanding and reconsideration. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : XXXX XXXX XXXX XXXXXX/XX/ To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX
Product: Credit card

My Capital One venture card was closed due to non-usage. I had over {$12000.00} credit limit with a XXXX balance. I was given no notice the closed my account but when I called Capital One today, they told me that they had sent me a letter in the mail in XXXX which I never received. I received an email 2 days ago, stating that my account was closed but when I further checked into it I noticed that they didnt give me cash credit for over {$460.00} worth of rewards. When I called the company to complain, they said there was nothing they could do for me that I was forfeiting those points that I received due to purchases over the many years that I was a capital one cardholder. Thi is why I am filing the complaint.
Product: Checking or savings account

There were various unauthorized transactions on my Citizens Bank account. I filed the claim within 60 days of the transaction. Citizens Bank denied my claim and refused to give me more than a {$400.00} provision credit. See below for the details XXXX XXXX XXXX XXXX for {$520.00} XXXX XXXX XXXX XX/XX/2023 for {$450.00} XXXX XXXX XXXX XXXX XX/XX/2023 for {$380.00} XXXX  Payment - XXXX XXXX for {$250.00} XXXX  Payment- XXXX XXXX for {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as Experian has violated XXXX  right and Fair credit and billing act. I have requested a full validation under these XXXX laws for this account name here. 
XXXX XXXX XXXX XXXX. I have not been late for this account and have requested a full validation.
Product: Credit reporting or other personal consumer reports

When I reviewed my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Debt collection

A company called Portfolio Recovery from XXXX Virginia has repeatedly called me about a debt that did not belong to me. On XXXX call they told me it was about a XXXX charge account. I told them they have the wrong person and that I have never had a XXXX account of any type. I have told them multiple times this debt does not belong to me and have asked them to stop calling me and to not contact me again. They have called XXXX times in the past several months, starting in XX/XX/XXXX and continue calling, despite being told not to, in opposition to the federal Fair Debt Collection Practices Act ( FDCPA ). I have also notified them that I am on the National Do Not Call List and I do not wish them to call me again. In the month of XX/XX/XXXX alone, I have caller ID records indicating they have called XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. This has been ongoing for the past several months, despite my telling them multiple times not to call me and that they have the wrong person. They said they are an authorized debt collector in Virginia and that in order for me to stop them from calling, I need to write to them at a XXXX XXXX they provided and send them my social security number. I told them I would do no such thing and that under Federal Law they must cease calling me now that I have asked them, more than once. I asked for a Supervisor and repeated my request, and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

XXXX XXXX XXXX  Account Number : XXXX This account was placed on my credit report without my permission I didn't give written instruction placing this account on my report that a violation of my consumer rights. 

XXXX Account Number : XXXX The errors I still see is the balance of XXXX on this account is still reflecting on a closed account that is a clear violation of the FCRA law, the date of last activity is inconsistent with the bureaus of XXXX XXXX and XXXX its not way this was verified as accurate and verified which false statements are being applied to my account after its been reviewed which another violation of my rights. 

XXXX XXXX XXXX  # XXXX This account was verified is a joke at this point this account still reflects open in one bureau and closed on another also the date of last activity is incorrect and again your stated this account was verified, putting false statements on my report is a complete violation of the FCRA rights I have or at thought I had. 

XXXX XXXX XXXX XXXX XXXX Looking at my report this account is still reflecting an open account which we both know is closed and with it being violation. but this account was verified right? And to top it off this closed account is still reflection a balance. 

Please See Attachments!!!!!!! 

Please Delete Immediately I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent in XXXX XXXX  I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Debt collection

In XXXX, I owed a little more XXXX $ to XXXX but PRA says I owe XXXX . I don't think so! In XXXX, I owed a little more XXXX . I tried to work with XXXX XXXX XXXX directly to prevent collection. Unfortunately, I worked for more than 2 years under contracts which was not even providing for my basic needs. I requested a Debt Validation letter from XXXX XXXX XXXX and the billing statements for XXXX to XXXX. Portfolio Recovery Associates says I owe XXXX . I don't recall owing this amount to XXXX XXXX XXXX and would like to see the validation of the amount owed. Plus, remove my account from Portfolio Recovery Associates. I tried to go online to get my billing statements from XXXX XXXX, but my account is closed, I can't access them. 

I contacted XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX via their email at XXXX to have a Debt Validation letter, they refused. 

I contacted XXXX XXXX, XXXX  Office of the Customer : XXXX XXXX | XXXX XXXX at XXXX from XX/XX/XXXX to XX/XX/XXXX to get copies of my billing statements showing the amount I owed, they refused. 

Finally, I receive a letter that stipulates that the billings statements I needed to contact XXXX XXXX, that XXXX refused to purchase the debt nor giving me the billing statements.
Product: Checking or savings account

Changed business checking from XXXX to FNB and was offered $ XXXX to open account. Met all criteria of deposit amount, online banking and activity but only received {$800.00}. 

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

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, XXXX, transunion continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XXXX XXXX breech. info provided to me that my info was lost.
Product: Credit reporting

I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.