23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. reporting to XXXX, XXXX, and XXXX want it removed
Product: Checking or savings account

Our company checking account at Bank of America has been charged unauthorized ATM withdrawal fees even though it is a Platinum account with over {$150000.00} always maintained in XXXX. On XX/XX/XXXX I met with XXXX XXXX, the Financial Center Manager at my local branch and he assured me that fees never should have been charged throughout XXXX, even though some were for ATM use internationally ( we travel extensively on business ). 

Despite two email reminders and one phone call, neither he nor B of A have responded or taken any action. 

I also maintain over {$200000.00} in personal accounts in the same branch. This is very frustrating, as we are a small business and can not afford random, frequent fees which really add up.
Product: Checking or savings account

Good morning, I've tried to contact HSBC Bank more than 12 times, my money has been blocked, my debit card, which I access online, everything is blocked, I have bills to pay today and XX/XX/XXXX, my rent, all my bills are overdue for cause of HSBC bank please I need urgent help
Product: Debt collection

Im really worried that SUMMIT ACCOUNT RESOLUTION is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. SUMMIT ACCOUNT RESOLUTION has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX never granted consent to SUMMIT ACCOUNT RESOLUTION to contact me. SUMMIT ACCOUNT RESOLUTION has/ or purchased my private information without my consent. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand SUMMIT ACCOUNT RESOLUTION to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for SUMMIT ACCOUNT RESOLUTION to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Product: Credit card or prepaid card

I have had this credit card for over 8 years and have consistently been charged increasing interest rates even though i have been paying over triple the required monthly payment for years. In XXXX I requested a lower interest rate and was told i was up for review in a couple of days and that I would be getting paperwork in the mail in a couple of weeks. The recording also said this conversations was being recorded. I waited till XXXX and called again. The women told me I was not up for review until XXXX! I was so mad and told her what I was told by the previous gentlemen. She just apologized and did not offer a review or for me to talk to any one. I then called back and cancelled my card. I am now constantly seeing an increase in my interest rate on a closed account!!!! I called about it and they told me that its a variable and they are allowed to do that!!! I asked them why they didn't lower my rate during the pandemic when the prime was at 3 % if I had a variable? They did not answer. They checked into my XXXX and XXXX conversations and claim there are no traces of them. Of course not!!! Even though the recording said they were being recorded. This Company Chase is a scam. They lowered my credit score XXXX points right away! I may owe them {$140.00} for an exercise bike i purchased from XXXX  I have transferred all my bills to my checking account and contacted XXXX last month about paying for the exercise bike. They had me talk to Chase and they could not tell me anything because the account was closed. I do not want to send the {$140.00} in and it be shown as a payment. I feel they are illegally charging me increased interest on a closed account every time the interest rates go up.I would like to clear up the {$140.00} i may owe and I would like them to correct my excellent credit score that they ruined! Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Product: Debt collection

No knowledge of this debt company was not able to validate this debt being owed
Product: Checking or savings account

Ally bank has a had restrictions on my account since XX/XX/XXXX and I opened my account about around XX/XX/XXXX or XXXX and I deposited a check to fund my account which was a total of XXXX between my checking and savings which created a positive balance in checking as {$2500.00} and savings at {$700.00} Since then my balance is now {$200.00} in my checking and {$300.00} in my savings but I can not login nor receive any assistance for my account because they refuse to assist me. I hope representatives at Ally bank has not scammed me out of money because that's what it's looking like because if my account has been restricted since I've opened how was there money removed so I called to dispute and they advise me that they will write in their notes but said that since my account is still under review since XX/XX/XXXX no action can be tooken I want my money and my account closed I refuse to deal with Ally bank
Product: Checking or savings account

This is not the first time Ive had trouble with Dollar Bank. Between mid XXXX and early XXXX of XXXX, my debit card was compromised twice in a 15 day period. The replacement cards took a very long time to arrive and I found the service I received over the phone to be less than great. After the XXXX time my card number was compromised, I opened a new checking account at a different bank with the intention of closing this one. 

On XX/XX/XXXX I received a letter for overdrafted transactions to XXXX. Knowing I hadnt used this account in some time, I called and filed a fraud claim. The next day I reinstalled XXXX and discovered I had been wrong, the transaction was made on my XXXX using this account in error. I immediately called Dollar Bank back and asked to cancel the fraud claim, to please waive the fees, I would settle the account and close it then. The rep I spoke to ( XXXX XXXX advised I would need to go to a branch to close the fraud claim and they would handle waiving all of the fees and settling/closing the account. I confirmed the branch would waive ALL fees more than once. 

So I took time off of work today to go to the branch, withdraw the fraud claim and settle it. I had to write a statement and sign it to withdraw the fraud claim. Then they refused to waive the three {$36.00} overdraft fees that they applied to the account, would only waive two. I told them I would happily wait while they contacted the call center and pulled the call and that I would like what I was told on the phone to be honored and they refused multiple times to waive the fee, refused to close my account and threatened me with a charge off. Over two transactions totaling less than {$25.00} that I was willing to pay! I was a loyal customer for more than eight years and always had direct deposit. I recommended them to so many people and I feel lied to, I feel bullied by both the personal banker XXXX XXXX XXXX and his boss, branch XXXX XXXX XXXX. So now Im out not only the wages I lost not being at work to go all the way out to the branch, I was deceived by multiple people. I feel this is a XXXX violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2018, I sent {$300.00} to an individual via XXXX for concert tickets. The concert tickets were never delivered to me. The person I sent the money to did not respond to any of my messages after the money was sent. I have a Bank of America account. After looking into my options online, this is my first recourse. I have never been scammed like this before, and I feel really dumb. {$300.00} may not be a lot to Bank of America or  a company like XXXX, but it is a lot to me.
Product: Debt collection

This company is reporting XXXX information on my credit report stating the account was closed then charged off now the account is suddenly reopened and they are reporting late payment and collections they are now reporting the account as open as of XX/XX/2024
Product: Credit reporting or other personal consumer reports

The social they have on file has been wrong for a while I can't do anything pertaining to my ssn.
Product: Money transfer, virtual currency, or money service

my names XXXX XXXX XXXX. 
i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. 
paypal reference : XXXX
Product: Credit reporting or other personal consumer reports

Things that are on my credit report are unknown activities and have been getting multiple calls and Experian alerts that my information is being shared
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by Nelnet. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to Nelnet, have not been serviced by Nelnet since XXXX. I received this information directly from Nelnet. 

Despite numerous attempts to resolve this issue through Nelnet 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Nelnet for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud/ Identity theft 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is with respect to Equifax. I have a security freeze on my file and wanted to lift it temporarily to access my file. 

These credit bureaus are making it extremely difficult to work with their websites. Equifax for example keeps locking my account out. I have spent 2 hours today trying to get hold of someone to unlock my login credentials and the person on the other end claims he did it.

I tried to log in again and it is still locked. I am not going to waste another 2 hours trying to get this fixed.

How can I get this resolved?
Product: Debt collection

The amount of debt of {$1200.00} and {$1400.00} is not accurate. The company, LVNV Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Product: Credit reporting or other personal consumer reports

I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. Capital One postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by Capital One XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied for no credit for already existing accounts with Capital One, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXXbalance. Capital One card is also Infrequently used. I have had to replace 5cards due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and XXXX were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify CALL to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On XX/XX/XXXX I wrote a letter to the collection agency Access Receivables Management located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under the Fair Debt Collection Practice Act I asked the collection agency for the following below : Original creditor XXXX XXXX 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and registered agent Instead they sent me a print out that didn't prove the debt and they didn't send me anything else and the collection item is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}