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

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Product: Checking or savings account

From the period of XX/XX/XXXX- XX/XX/XXXX. I have been getting over draft fees from M & T Bank. I put this period time line as this is the frame of my complaint. M & T Bank has been charging me over draft fee 's unfairly when I could have just transferred the funds into my account to make sure that said payments would be taken out from the merchant. I have a total of XXXX accounts with them and they are very misleading when opening business accounts as well. They did waive four fees for me, but the others are not justifiable. I believe a total of {$3800.00} or more of fee 's have been taken out of my account with M & T Bank. There banking practices are unreasonable and unfair when it comes to fee 's. From this particular period I didn't have overdrawn account protection due to the pandemic. It's been very challenging for me and I have been banking with them for over 5 years. I understand that this is a corporation. However, they have some very unfair practices with over draft fee 's. I made a payment on XX/XX/XXXX for {$27.00} and transferred the amount in my other account because normally it takes 2-3 days for the merchant to receive the ACH and M & T hit me with a {$36.00} over draft fee in my account. I don't understand how banking works and I keep up with my account. This is getting out of hand with them charging fee 's in under 24 hours of transferring funds into another account.
Product: Debt collection

I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit score.
Product: Checking or savings account

In early XXXX, I received an offer from Chase Bank. The offer stated that if I opened a checking and savings account with Chase, I could earn up to {$600.00} in bonuses subject to ( 1 ) setting up a direct deposit ( 2 ) transferring in {$15000.00}. 

On XX/XX/XXXX, I set up a direct deposit into the account. At the same time, I set up a transfer of {$15000.00} into the account. 

The terms of the account stated that there would be fees in the savings account but gave several options to avoid the fees. One of the options was to have at least one repeating automatic transfer of {$25.00} or more from your Chase personal checking account. So I set up this transaction, as long as a transfer of {$25.00} from an external account to my checking account and a {$25.00} back from the savings account to my external account since I did not wish to hold any more money in the account than necessary so as to not get fees. 

To avoid fees in the checking account, I set up a {$500.00} direct deposit from my paycheck. I also set up a recurring {$500.00} to my external account to withdraw the funds at regular intervals. 

After setting up these transactions, I was immediately contacted by Chases fraud prevention team. They asked me to verify that I had set up these transactions, which I did. They then said they were freezing my account and locking my ability to perform ACH transfers into and out of the account. 

Later that night I tried to log in to see the status of my account and was locked out. When I contacted customer service they stated that they were closing my checking and savings accounts as they no longer wanted to do business with me as they were worried about fraud. I could not get any additional information from them. 

I was worried about my credit card ( also with Chase ). They said that after 10 business days I could call back and that Chase would restore online access to my account so that I could view my credit card online. I called back today ( XX/XX/XXXX ). However, they have decided to never allow me online access to my account. I was able to pay my credit card over the phone and they signed me up for paper statements. However, this is a clearly unacceptable way to do business in todays day and age. I have no immediate access to any of my credit card information.
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. 

XXXX XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my right.

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 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.
Product: Vehicle loan or lease

I HAVE AN AUTO LOAN WITH BANK AMERICA MY PATMENT IS XXXX I HAVE BEEN PAYING MUCH MORE THAN THE REQUIRED AMOUNT AND RECEIVING LATE NOTICES WITH FEES AND EXTRA INTEREST CHARGES, WHEN CONTACTING THE COMPANY THEY ARE SAYING SINCE I OVER PAID THERE APPLYING THE WHOLW AMOUNT TO PRINCIPAL AND NOT THE PAYMENT AND THAT MY PAYMENTS ARE LATE, I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE AND IM A XXXX XXXX XXXX XXXX XXXX VETERAN AND DO NOT LIKE BEING RIPPED OFF BY THIS BANK THAT HAS A NOTRIOUS REPUTATION FOR RIPPING PEOPLE OFF.
Product: Credit card or prepaid card

Got a fraud alert from XXXX XXXX  about a credit inquiry with XXXX. Someone used my information to apply for comenitycapital/mycash card. I was advised to report the incident with you. I don't know how someone obtained my personal information and certainly not shared it with anyone.
Product: Credit reporting

the credit has been Closed and Canceled and is no longer agented by or participated in by the current reporting bank and must be removed by law.
Product: Mortgage

Dear CFPB, im writing to you because im very frustrated with my mortgage company it is now over 3 months since i reached out to them because my income changed drastically due to COVID-19. 
Now my mortgage company is telling me who is XXXX  XXXX  that i don't qualify because my investor feels that i don't deserve a loan modification because im not behind with my mortgage payments.
Product: Checking or savings account

Wellsfargo froze my account and now is closing it. It all started on Friday XX/XX/XXXX when I made a mobile check deposit. I got a message that there was a hold but then they said it wasn't a payable item so I went to the bank with the physical check and they still weren't able to help me. I get paid via XXXX  that you print at home and I have been getting paid like this for years without a problem. The bank associate actually understood but still wasn't able to resolve the issue even after escalating it with the fraud department on the phone. This was today XX/XX/XXXX. This is obviously a huge inconvenience but also harmful because now I have been reject by XXXX  and XXXX XXXX XXXX when I tried to open a checking account with them. Thankfully I had another debit account with another bank and was able to reroute future payments ( I also get paid via direct deposit from my part time job ) but this is gon na cause a delay on future payments I have to make since it is the end of the month. My account balance is negative thanks to this and there is nothing I can do because my accounts with Wellsfargo are frozen, both debit and savings. 
I definitely should be compensated for this but I would say never use Wellsfargo, just take your money elsewhere
Product: Credit card

I havent had a card since XX/XX/2022 I have disputed the transactions the merchants send reports that I made purchases when I did not. I do not have a card in my possesion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXX. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  [ XXXX ] Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Negative Accounts under the Debt Bondage Repair Act Dear Experian, I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ]. 
I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless right now and have provided my passport for required identification. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : * [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX ] - [ XXXX ] experian [ XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX  XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian Inquiries to be removed XXXX XXXX  XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX  ( XXXX XXXX Experian XXXX XXXX ( XXXX ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Chase Bank account accessed 3 times and withdrawals made by unauthorized user using 3 different debit cards.. Bank denied all three claims.

First fraudulent transaction occurred XX/XX/year> in XXXX XXXX NV for approximately $ XXXX using debit card. Debit card was in my possession at that time in XXXX XXXX CA after claim denied further documentation sent to bank with proof of location on date from employer. Card was closed and new card sent and received. 
Second transactions occurred on XX/XX/XXXX in Florida for approximately {$500.00} using new card in my possession in California. Claim started and denied. Card closed and new card sent but not received. 
Third transaction occurred on XX/XX/XXXX for {$120.00} in Florida. Reported to bank and informed that new card was used which I had not received- they claimed had been activated so claims denied.

Requested Customer service to investigate problem as these were 3 events with three separate cards in other states to my location. No communication from bank as to their progress received and every time I call nothing resolved. During this time I have been overdrawn and charged additional fees.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these ACCOUNTS in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed ACCOUNTS will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. XXXX Transunion and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with XXXX,, XXXX, Transunion,,, and the account XXXX is reporting inaccurate and missing information,,, XXXX is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With Transunion Credit report the XXXX account is showing to be sold to another lender ... so how is it that XXXX showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per Transunion report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, XXXX Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
Transunion is showing its sold with XXXX monthly payments,,, sold to another lender XXXX is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,
Product: Credit reporting or other personal consumer reports

FCRA 605B might mandate the elimination of any erroneous accounts from my credit report. Can you review the documents? Several accounts listed are incorrect concerning reporting, with inaccuracies in amounts and dates.
Product: Credit reporting or other personal consumer reports

These are the old names and addresses i wish to be remove i wrote certified letters to EQUIFAX ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) NO RESPONDS ) (, EXPERIAN ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) NO REPONDS & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and NO RESPONDS!!! NAMES-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX NY XXXX INQUIRIES XXXX XXXXXXXX, XXXX XXXX  XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX THEY ARE REPORTING A LATE PAYMENT I ASKED THEM FOR 15 USC 1666b TIMING OF PAYMENT & 15 USC 1637a i got NO RESPONDS NO NOTICE IN THE MAIL 21 DAY BEFORE THE PAYMENT DUE DATE NOT ANYTHING ( XXXX # XXXX REPORTING DATE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I tried to receive a credit report and haven't been able to get any correspondence from Equifax since also becoming part of a hacking class action lawsuit unfortunately this seems to be strange to me that they will not send me a copy of my credit report both of the agencies did when requested is very important because I have no idea what they are listing on my credit report whether it's correct or fraudulent I like to have that done as soon as possible and with respect to your oversight
Product: Credit card or prepaid card

Upon opening a statement from XXXX. XXXX via Comenity Bank, the first I have ever received, I saw 13 charges between XX/XX/XXXX-XX/XX/19 totaling  XXXX. I did not make these charges. I was not aware that I had a XXXX. XXXX credit card. I do not know what the account number is. 

I called the Comenity Bank using the phone number on the bill twice. I hung up after being put on hold for an hour the first time, a half hour the second. This is a very sorry state of affairs. I was able to report the fraud the 3rd time I called. 

I will be reporting this fraud to the XXXX XXXX XXXX Police as well as sending a letter to Comenity Bank identifying the charges, all made through XXXX, as fraudulent.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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

Someone needs to hold them accountable for this
Product: Debt collection

I had a Commedity Victoria Secret credit card that was cancel per the request of commedity for not using it. That is what states in my credit report. 

I got a call this morning from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from phone number XXXX saying I owed {$270.00} I called Commedity and the representative said they do not have my information and they could not talk to me, I askes to speak with a supervisor and the supervisor deny talking to me saying they don't have my information. 

I am sending a letter to request for more information to XXXX XXXX  but I think it is completely absurd that Commedity Bank would sell my information when I did not owe any money to them and now I have to spend who knows how many hours trying to get this clarify.

How about the people who doesn't have the time? or that does not know the language? There should be a penalty for the unscrupulous practices as this
Product: Money transfer, virtual currency, or money service

Sophisticated XXXX fraud schemes orchestrated with Chase checking accounts To whom it may concern : I am writing to inform you about fraudulent activities conducted by XXXX XXXX XXXX, XXXX of JPMorgan Chase Bank 's clients. In XXXX, I responded to a social media advertisement for XXXX XXXX, a technology company based in Arizona. 
Here is the details of the incident. 
Following several phone calls and online meetings, I purchased a {$50000.00} license from XXXX XXXX XXXX on XX/XX/year>, via wire transfer from my account at XXXX to my XXXX XXXX XXXX account at Chase. This license was supposed to allow me to deploy XXXX XXXX  for inbound and outbound calls on behalf of businesses, with a promised return of 8 % from businesses ' expenditures on the XXXX XXXX  platform. 
However, it turned out that their claims were fabricated and that this business is known for defrauding clients on a large scale. They knowingly made false promises and pretenses to gain financial gain from clients. 
Unfortunately, XXXX XXXX XXXX has defrauded numerous victims, including myself. The AI agent provided is fundamentally flawed and incapable of performing as promised. Despite our contract guaranteeing an inbound call cost of XXXX cents per minute, the actual cost exceeds XXXX cents per minute. Additionally, recent FCC regulations classify AI bots and cold calling as illegal. Source : https : //www.fcc.govXXXX  The CEO of that company is aware of this declaration and tries to delegitimate this regulation. 
Despite their agreement, which included a money-back guarantee clause, XXXX XXXX XXXXXXXX has repeatedly delayed my refund request, claiming insufficient fundsa tactic reminiscent of a pyramid scheme. Allegedly, they owe over XXXX XXXX in buybacks. 
As a respected financial institution, I expect Chase, who has received multiple complaints about this client before, to assist me in getting my refund through their insurance Furthermore, I request that Chase to discontinue providing financial services to XXXX XXXX XXXX, a knowingly fraudulent business due to their deceptive, criminal and unlawful business practices. 
I have already filed reports with Chase, the FBI, the XXXX XXXX XXXX my local Congressman, FTC, and other relevant authorities at both state and federal levels. 
I have encountered many individuals in the same predicament, and XXXX XXXX XXXX continues to advertise on social media with similar deceptive promises. More victims will inevitably suffer without intervention, and Chase will be indirectly involved in these schemes. 
Attached for your review are supporting documents :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number