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

A credit card with XXXX XXXX  shows on my credit report with a limit of {$300.00}. It is showing that I am 30 days past due. I never opened any card with XXXX XXXX. This account does not belong to me. I have filed a dispute with Experian and called XXXX to file a dispute with them as well. The woman on the phone took my information ( name, address, phone # etc ) and said she would look into it. The dispute came back as accurate and it is NOT. This is a fraudulent account and it is negatively impacting my XXXX XXXX.
Product: Credit card or prepaid card

I have been experiencing issues with Bank of America sending me a new XXXX card. On XXXX XXXX at XXXX I received a text message from Bank of America that read Your BOFA XXXX  Debit Card has been disabled & terminated on XXXX XXXX when I called XXXX to file my benefits I told the representative about the text message I had received days prior and the representative had told me she had never heard of that happening before. Later on in the month of XXXX I spoke directly to a BOA rep. And they told me that they couldnt help me with this issue, because the account was closed for unknown reasons and they couldnt issue me another card. On XXXX XXXX I filed a complaint regarding the BOA XXXX  card I had that has recently been closed due to Bank of America freezing my funds EVERYTIME I would attempt to use my card, XXXX XXXX I filed another complaint with the CFPB against BOA because my card was still being blocked and I was unable to access my funds on my card. Both times response was that the problem was going to be investigated and they needed more time to see why this problem was occurring without reasoning. I then received a follow up email from XXXX XXXX department from XXXX XXXX Who had said she would be investigating the problem and would send me a letter I reached out to XXXX several times throughout XXXX  and never received a response later on in XXXX I received a letter from Bank of America stating the were experiencing a glitch in the system which was the reason that my card was not working accurately and that they would continue to update me on the investigation which they never did. Now a year later Bank of America refuses to issue me another XXXX card after they just closed my previous XXXX card for an unknown reasons.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with TransUnion, XXXX, and XXXX. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.
Product: Credit card or prepaid card

I have been a Chase customer for quite a while. I have a chase liquid prepaid card that I use only when I travel abroad. In order to keep my card because I dont use it often, I make sure to have enough money on the card to cover the monthly fee of {$4.00}. On XX/XX/XXXX I had an emergency and I tried to withdraw {$100.00} but I couldnt. I got a receipt telling me to call a number which I did and found out that, my card has been frozen for the past two years without my knowledge. I was surprised because I always paid my maintenance fee and I dont owe them any money. For the past two weeks, I have been calling them to try to fix the problem without success. They transferred my call to the investigation unit that doesnt seem to know what going on. They told me that a woman name XXXX oversees my case but anytime I called and tried to speak to her, she is always busy and said to leave my phone number but never calls me back. It became very frustrating and disrespectful. I went to one of chase bank branch and spoke with one of their employees that tried to help me as well with no success. I dont know what to do and now it seems like I cant no longer access my account. I tried many times before sending this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EXPERIAN NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : TXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AUTO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX retained AR Resources , Inc. for legal representation provided false statements as well as two itemized bills each with different amounts AR Resources repsonse suggest that there was communication and issuance of financial assistance forms to be filled out when no such forms where provided to me. In my communications with the office of XXXX XXXX XXXX they expressed that all I needed to do was send an email expressing my financial hardship, which I did several times. AR Resources does not have the right to my health insurance information this is an invasion of my health information privacy. HIPPA Regulations have been violated and for that reason I have reported both XXXX XXXX XXXX  and AR Resources.
Product: Checking or savings account

Today XX/XX/18 Bank Of America Just Decided To Close My Account After I Tried Reporting My Card Lost Or Stolen. Instead Of Asking Just Locking My Bank Card And Offering To Set Me Up A New One They Closed My Whole Account Without My Acknowledgement, Then When I Called They Said They Arent Requried To Tell Customers Why They Close An account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX  XXXX XXXX  Account numberXXXX 3. Account name : DEPT of EDXXXXXXXX Account number:XXXX 4. Account Name : XXXX Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account number:XXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have 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, credit repair services, or other personal consumer reports

I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is trying to open credit cards with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I received an escrow check from SPS inc made out to my ex-wife and myself. I inquired how to get the check sent in my name only. I was told to send in my divorce decree, which I did. A year later I have not received the replacement check for the one sent in. When I called all I receive is excuses why I don't have the replacement check. I am owed another escrow check and wondering if stumbling and bumbling company will make it out as the original check creating another long drawn out process.
Product: Debt collection

On or around XX/XX/2021, I was contacted by my brother who informed me that an individual approached him at his home looking for me and asking for my address regarding a health debt. The individual stated they were from an attorney 's office, but would not provide name, contact, or other identification information. My brother declined to give any information and was told that I was being sued. 

On XX/XX/2021, I received and alert from XXXX and XXXX that there was a new address added to my credit file. This address was that of my brother ' home ( previously mentioned ). I have never resided at this address nor have I ever used that address on any of my contact information for any account I have. I filed a dispute with all three bureaus to have the address removed. I have yet to receive any resolve for this issue. 

On XX/XX/2021, I received yet another call from my brother that a different individual came to his home to inquire about me and my whereabouts. He stated the male was in uniform and stated they needed information to provide to the courts. My brother also said that the individual began asking him intrusive personal questions, such as how long he had been residing at that address. 

I have deducted that Kings Credit Services in XXXX, California, are sending representatives to contact my family members. Kings Credit Services have previously contacted me by phone and mail. I have received multiple back to back calls for days at a time ( at least 7 per day ) and have had to block each phone line every time. l have also attempted several times to reach them to settle the debt requesting pay-for-delete. Each time, I am ignored and the amount of the collection continues to increase. The original debt they claim is for {$800.00}. It not exceeds {$1000.00}.

I am filing this complaint as I believe my rights under FDCPA have been violated. The debt continues to be misrepresented as a health or medical bill, in which it is not. Moreover, I do not appreciate the harassment of any relatives or contacts. Please follow up on this request so that we can rectify this situation as soon as possible.
Product: Checking or savings account

There were two unauthorized transactions from my Chase bank business account. 
Business name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX First attempted by XXXX XXXX on XX/XX/2020, which the transaction, {$5000.00} was completed and second attempt by XXXX XXXX XXXX on XX/XX/2020, but the transaction {$5000.00} was rejected. Chase has not refunded the loss {$5000.00}. 

1. XXXX XXXX XXXX address : XXXX Chase bank transaction numberXXXX 2. XXXX XXXX XXXX Mobile number : XXXX Chase bank transaction numberXXXX
Product: Mortgage

I refinanced my mortgage through Guaranteed Rate, XX/XX/XXXXXXXX, XXXX, GA XXXX, with the first payment made on XX/XX/2021. I paid escrows in advance for taxes at settlement as well as had escrows deducted from my XXXX mortgage payment. I receive notification from a collection agency that my school taxes had not been paid. I contacted guaranteed rate with my concerns. The agent was not helpful. I need guaranteed rate to release the escrows to pay my taxes and for them to reverse and correct and apologize for my being sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this
Product: Debt collection

Hello, I paid my medical bill with the hospital and it is on my credit report. I called the agency and asked them to contact the hospital because the debt was precociously paid. They refused. 
I contacted the credit agency. XXXX to explain the bill was paid and I have the receipt. I attempted to upload the receipt to the online portal would Not allow me to Attach the receipt of proof. It appeared to be an issue with the system. They then opened a new dispute and it remains on my credit report although I explained to both XXXX and Professional Credit Management that the debt was paid. I also offered to Email it to Professional Credit Management and was told they can not accept emails and XXXX was informed their system would not allow me to upload proof. 
It has been removed from the other two credit reports but not XXXX.
Product: Checking or savings account

Chase have had my account froze for XXXX weeks now ever since I deposited a cashiers check in my business account. The XXXX check cleared and was paid on the XXXX but their teller me they need to speak to the maker to make sure its a good check. The maker of the check also has chase, meaning they should be able to contact this person with no problem. So basically my account have been restricted for XXXX weeks and their telling me if they dont talk to the maker my account will automatically shut down in XXXX to XXXX business days. The check was paid out on XX/XX/XXXX so why am I suffering because they cant contact the maker?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma/ XXXX listed me as deceased and all my accounts have been closed and credit score completely removed.
Product: Debt collection

I received a call from XXXX this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.
Product: Checking or savings account

XXXX a division of Webster bank has XXXX my online access and frozen my funds. They did not notify me of why this happened. After several attempts to access my money and speaking with customer service I received an answer that there was a freeze due to a transfer request. XXXX requested I send a copy of driver license and bank statement via an UNSECURE email. I had no choice but to comply and send the documents. I received no reply after the information was sent. I called the following day and was told it would be resolved in XXXX hours. I spoke to them the following day and was told it would be another XXXX hours. Not being able to access or transfer my funds has caused other accounts to be overdrawn and for me to miss payments to other businesses. Unacceptable to withhold a customers funds with NO information on a resolution.
Product: Credit reporting or other personal consumer reports

Lvnv funding is reporting to my credit report negatively .I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( Mo ) 281 XXXX XXXX presume that no proof of alleged debt, therefore any such debt in fact therefore exists. I have a list below of items that I feel should be removed from my credit report according to FCRA.
Product: Debt collection

Medicredit inc is reporting I owe {$1900.00}. 
I have never received a bill or any notification that I owed such an amount I have written the company to request proof of debt with no response.
Product: Debt collection

I am oblivious to this balance on my credit report, it must be another person 's name or information merged with mine. I sent the collection agency a formal letter Ability Recovery Services LLC, XXXX XXXX XXXXXXXX XXXX, Pa XXXX on XX/XX/2022 in regard to this matter but have not received a response. I also call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre-approved credit card notification from XXXX XXXX for my XXXX year old. I am concerned that someone has stolen his identity.
Product: Checking or savings account

US Bank closed ALL my accounts including my business account due to fraudulent activity. I have never committed fraud. What gives them the right to close an account without the owners permission? Due to them closing my accounts so abruptly, I was not able to pay vendors or services that I use for my restaurant. This in turn effected my restaurant negatively. I couldnt get the products I needed to run my restaurant properly. Ive been with this bank for about 7 years, and this is how they treat a loyal customer. They closed ALL my accounts ( business checking, personal checking, savings, credit cards ) all on XX/XX/2023, without a formal explanation of why they were closing them. I spent the last three weeks trying to get my money and Im finally picking up a check for my balances at a local branch XX/XX/XXXX.
Product: Credit card

Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This isXXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.