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

I have recieved my credit report. I have been paying off old debt the past five years. There is a credit card on my credit report from XXXX XXXX. I never  had a credit card from them. The only credit card I had was from XXXX XXXX. I have spoke to my wife about this as well. 

The credit card company listed says I owe {$450.00}. According to the report it states the following Account # : XXXX .... XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX First reported XX/XX/XXXX Closed XX/XX/XXXX I have only recieved one bill dated on XXXX Since then this is when I checked my credit report throughhXXXX XXXX  and have stating their was information on my report that was not accurate. To why I have my credit report provided to me.
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 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 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. 

Please remove these inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else with same name that isn't me is showing on my backgrounds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard credit inquiry made on my Experian credit report by " XXXX XXXX  '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. Experian is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
Product: Credit card

My bill was due XX/XX/XXXX, I called to make a payment and now my account is not found. I ask the security department and I'm told to fill out the appeal form which I already have multiple times.
Product: Vehicle loan or lease

I arranged to pay {$100.00} on my car loan on XX/XX/2022 and set up recurring payments of {$200.00} weekly to keep my car from being repossessed and to get caught up on payments. I noticed on XX/XX/2022 that the recurring payments were not on my account and attempted to call number on account and was left on hold for hours and I submitted a XXXXXXXX  messages through my online account after each time I attempted to call that I needed to be able to have access to setup recurring payments and have emails that show I submitted those requests. I then setup recurring payments through my checking account and XXXX failed and setup {$400.00} again recurring weekly to catch up those payments and tried calling the loan provider because they kept calling in early morning hours like XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I currently have two accounts three inquiries and a incorrect address appearing on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are 2 accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. Neither of those accounts belongs to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts.
Product: Checking or savings account

XX/XX/2022 I have received a phone call from Bank of America for the person asking me are you XXXX XXXX, I said yes he asked me then did you authorize transection from your back account for the amount of XXXX $? I answered no I did not authorize this transaction. He stated that it was a productivity or my event account. And he asked me to open a new account with him over the phone at that point I was unsure of what is going on. I asked him to I got and I will check with the bank. At that time I checked my online bank account and I found that my account was frozen and the money was already moved out. 

Since that time I been calling Bank of America about 3 to 4 hours a day, I never had any communication from Bank of America trying to call me or communicate with me regarding this incident. I had a plain that was submitted a week after the incident, I do not know why he waited for a week from the backside especially I was calling them almost every day. After almost 5 weeks I was able to get a claim number. Throughout the process, it was never easy to reach the right destination of Bank of America, thank you transfer me between departments stating that this is not that her specialty and putting me on hold for about 3 to 4 hours daily. Always received different opinion and all individual based. Almost 5 weeks later, a person from the fraud department advised me to submit a claim on the fraud account. And the first time ever received a communication from Bank of America regarding this issue was mid XXXX when they sent me an email with encrypted letter requiring police report and a list of other documents. I have completed all the list and faxed XX/XX/2022. For now almost 7 weeks and there is no communication from Bank of America with me and the problem is not solved. My money is frozen in the fraud account and I can not use my money at this point. Police report already submitted with all the required documents for the back. My problem is the back not giving me any clear way to communicate with them and even the phone number listed in the letter they sent me, when I called them they say this is the wrong department.
Product: Debt collection

Subject : Formal Complaint and Cease-and-Desist Request Regarding Harassing Calls by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding repeated, harassing phone calls made to me and my family members by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . These calls have become a constant source of stress and have disrupted the privacy of both my household and the lives of my family members. I am requesting that the CFPB take action to ensure these companies comply with federal consumer protection laws and immediately cease all communication with me and my family. 

These actions by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under these laws, consumers are entitled to protections from harassment, as well as rights to control the manner in which debts are communicated. Specifically : 1. **15 U.S.C. 1692d ( FDCPA ) ** - This section explicitly prohibits debt collectors from engaging in any conduct intended to harass, oppress, or abuse any person in connection with debt collection. The repetitive calls made to me and my family members appear to be intended to intimidate and harass, which violates this section. 

2. **15 U.S.C. 1692c ( b ) ( FDCPA ) ** - This section restricts debt collectors from contacting third parties ( such as family members ) without permission or a legal reason. These calls to my family members constitute an unwarranted invasion of privacy and are in direct violation of this provision. 

3. **15 U.S.C. 1681b ( FCRA ) ** - This section limits the circumstances under which consumer information can be accessed or disclosed. Reaching out to family members and involving them in my private financial matters is unwarranted and further violates my rights under this provision. 

In addition, under **15 U.S.C. 1692c ( c ) ( FDCPA ) **, I am exercising my right to request that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease and desist from contacting me or my family members by any means, including phone calls, letters, emails, or other forms of communication. I am providing written notice of this request, and any further contact will be regarded as a violation of the FDCPA, subject to legal consequences. 

Please consider this letter as a formal request for assistance in ensuring my rights are upheld and that these companies adhere to all federal laws concerning fair debt collection practices. I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX immediately cease all harassing communications. 

Thank you for your attention and prompt action on this matter.
Product: Debt collection

Portfolio Recovery Associate has been reporting XXXX collection accounts on my credit report and from what I see they can not have proper validation because they are reporting different dates of first delinquency to all XXXX credit bureaus which is a violation and against the law. The have not done a proper investigation and by law they must delete the accounts.
Product: Debt collection

Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.
Product: Credit card

I have had this credit card for over ten years. A Capitol One Visa Credit Card. 
The Credit Card will not lower interest rate on my card. The Credit Card Company will deliberately not increase my credit limit and then spends the next year degrading my credit card usage. I get stupid emails saying " your over your credit limit make a payment ''. I check my credit report and the report says my credit usage in too high????

There are no late payments in the past 5 years. I make {$1000.00} payments on this capitol one credit card. When I call, my call is passed around or a strange voice on the other end that has a XXXX  accent??? 
I am tired of this illegal nonsense. I want to press charges on Capitol One. I have never dealt with a credit card company that wants to give a customer a hard time that makes them money. I am paying 26 % on one Capitol One Credit Card and 30 % on another Capitol One Credit Card. I am tired of the abuse and fraud from Capitol One. 
I still feel good about myself despite the companies efforts to constantly harass me about over use of a credit limit?? Why not increase my credit limit like I requested?? They want to trash my character and make me feel stupid and ugly. 
Capitol One should be put in prison for life. I am a XXXX with XXXX XXXX and several other health issues. They are too XXXX personal and only out to trash my credit and good name.
Product: Checking or savings account

I have been banking with Chase for nearly 25 years ( it was Washington Mutual before Chase purchased it ) and Chase was the first financial institution that came to mind when I decided to open my sons first bank account. 

Sadly, this experience for both my son and I, has been negative and extremely stressful. I opened my sons XXXX XXXX checking/savings accounts in late XX/XX/year> and a few weeks after, hackers sent a series of text messages to my sons phone. My XXXX naively clicked on the link. That triggered a series of fraudulent transactions, and we now have {$670.00} missing from my savings account, in addition to the {$230.00} from my sons checking/savings accounts. Thats a total of {$900.00}. 

Without any prior notice via mail, email, text, or even the bank notification system, Chase closed my sons accounts and my savings account that was attached to his. Since XX/XX/year> I have visited Chase agents in person twice and have made XXXX different phone calls to Chases Claims Department try to understand and clarify this situation. 

Chase mailed me a check with my savings remaining balance and a letter indicating they had identified at least XXXX fraudulent checks deposited into my sons account and then XXXX to some unknown accounts ( at least unknown to my son and I ). Another level to this situation is that scammers somehow deposited XXXX good checks for {$500.00} each into my sons account. Those {$1000.00} are sitting in my sons now closed account, meaning some other victim of this hack is missing {$1000.00} from their account. 

In my last phone call, a Chase agent told me I needed to file a formal complaint at my Chase branch because Chase is holding my remaining funds based on a fraud scam. I did precisely that and the XXXX, XXXX branch XXXX was very kind, professional, and helpful. The XXXX escalated my case and I received a call from XXXX, a Chase escalation/fraud team member. XXXX concluded that I would not receive my {$900.00} back because my son had granted permission to the hackers to access his account. This was the conclusion, despite Chase identifying the entire situation as fraud. XXXX also said Chase could not recover my {$900.00} because some money had been XXXX and that I had to now take on this issue with XXXX. 

I feel lost and very frustrated. I would appreciate your help with this matter. Please feel free to contact me if you need documents or further explanation to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, Equifax, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, Equifax, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting 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 which antedates the report by more than seven years.

15 USC 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: Mortgage

On XX/XX/2020 you responded to : 1 ) my inquiry dated XX/XX/2020 stating i asked one question 2 ) my inquiry dated XX/XX/2020 stating i asked XXXX questions 3 ) my inquiry dated XX/XX/2020 stating i asked two questions 4 ) 3 ) my inquiry dated XX/XX/2020 stating i asked two questions Did you receive these inquiries through CFPB? i have no record of these inquiries please send copies of my inquiries, and copies of the 5 day letter you send me upon receipt of these inquiries according to 1024.36 ( c )
Product: Credit card or prepaid card

On XX/XX/2023, a travel provider charged my Chase Visa card XXXX XXXX  for a trip my wife and I are taking to XXXX for our 25th wedding anniversary. The dollar to XXXX  exchange rate on XX/XX/2023 was $ XXXX XXXX. At that rate, my credit card should have been charged {$8300.00}, but Chase Visa charged my card {$8700.00}. That is a difference of {$350.00}. I can understand Chase Visa charging me anywhere between $ XXXX {$100.00}, but {$350.00} for a no foreign transaction fee credit card? 

I have called Chase visa twice. The first representative told me there is nothing he could do about it and I needed to call the " Disputes '' department. I spoke with someone in the " Disputes '' department who said that he could dispute the charge with the merchant. I DO NOT have an issue with what the merchant charged. The merchant charged me exactly what they told me they would charge me. My dispute is with Chase Visa, which tacked on {$350.00} to a legitimate charge. 

Thank you.
Product: Mortgage

I applied for a line of credit loan with Bank of America on XXXX XXXX, 2015. Every time I contact hen for a status, I am told that my file is still unassigned. And I am told that it may take 6-10 business days for it to b assigned to a processor. Today I called and spoke to a supervisor, she tell 's me that it will be 15 days for my loan application to be assigned to a processor and that if everything is approved can expect to receive the loan in XXXX. They have all my paperwork and thy have run a credit check. If I had been informed that it would take 2 months, I would not have started this process with B of A, I would have shopped around for a more reasonable time to get the loan.