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

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding Equifax, XXXX, and XXXX allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted : 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 XXXXXXXX failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Product: Checking or savings account

My spouse deposited a check from her Chase bank account into my Chase bank account. Chase Bank believed that the check should be put under scrutiny and restricted my account despite allowing the deposit to go through.

Money has essentially gone from one chase account to another, except now that money can not be accessed whatsover.

I have contacted Chase customer service 3 times to get the account restriction lifted, but Chase ' Fraud Department said they need to contact my spouse to confirm the check deposited was legitimate.

However, Chase ' fraud department is unwilling to contact my spouse to confirm this simply because her phone number is listed as " Unverified ''. They have explained that there is no way around this and that they are unable to call no matter what unless her number is verified. They have not offered any explanation as to what a " Verified Number '' is.

They have confirmed there is no way for her to reach out from her end to Chase to confirm the legitimacy of the check, as the account restriction and check scrutiny only applies to my account. 

Chase is essentially using obtuse methods and confusing terminology to hold my money ransom.

I urge ANYONE to use a banking service other than Chase for their needs. Chase, and by extension, J.P. Morgan will in bad faith hold your funds hostage for arbitrary reasons.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this account is being inaccurately reported. According to my records, If the account is in collections, it shouldnt have a balance, past due amount or say open. The reporting of this account as being in collections is inaccurate and has negatively affected my credit score.
Product: Checking or savings account

I was sent {$90.00} by someone I did not know on XX/XX/XXXX. The same day I sent money to a friend of mine. Before all of this, my friend who I know asked me for my XXXX info, stating that I may receive some money later that day. I was not informed what it was for, who it was going to be from, or how much it was going to be. 

XX/XX/XXXX, my XXXX account phone number and email were removed from XXXX and restricted so that they could not be used again. 

When I called and tried to explain my situation to a specialist at Wells Fargo over the phone ( after normal banking hours ) I was met with hostility like I was being interrogated for a crime, and as I was explaining what happened, the call center representative accused me of crime without due process and without even letting me finish my sentences. 

She refused to let me continue speaking, talking over me and sighing heavily and dramatically. 

She said I should not be sending money to a business, receiving money on behalf of a business, and that I should let the sender of the money do business without me being involved, essentially accusing me of knowingly engaging in some kind of money laundering or money crime. 

I was very angry and ended up hanging up the phone. 

I then learned that my online banking was locked and I no longer had access. 

This is vexing and caused me a lot of XXXX  because I can not afford to not have access to my bank account or my XXXX. 

I called again, where I was met with a very rude man who also talked over me, would not let me speak, and told me that he was warning me that he would hang up if I did not stop talking, he hung up. 

I called again. 

I calmly explained my situation, explained that shutting down access to my account is damaging to me in several ways and that I believe my account access was shut down by the original employee at the call center I spoke with unfairly in retaliation for an offense. 

I was informed that they can do nothing and that I am being investigated. 

I told them that I will be pursuing legal action for their mishandling of my account and the damage they are doing to me by accusing me of crimes I did not commit and cutting off my ability to send and receive money via XXXX, which is a payment method I use to pay my bills, unless they restore my account access and my ability to use XXXX to send and receive money.
Product: Student loan

On XX/XX/XXXX I received a denial of a private student loan consolidation from XXXX XXXX, after I had tried to consolidate my current XXXX loans ( one with a XXXX XXXX interest rate, which should be illegal ). The reasons for denying me a loan were as follows : Delinquent past or present credit obligations, and serious delinquency. I researched this thoroughly with XXXXXXXX XXXX and XXXXMohela , and they both stated that my accounts are current as of XX/XX/XXXX, showing no delinquency. I also filed a credit dispute with XXXX on XX/XX/XXXX, in which they also confirmed on XX/XX/XXXX that all of my accounts are current, there are no serious delinquencies, nor past or present delinquencies. 

XXXX  has continued to report this on my credit report throughout the entire year of XXXX, causing me to be denied for consolidating my student loans through credit unions, private banks, credit card companies, and private loan consolidation companies. In turn, this has led the student loans to stay with NavientXXXX XXXX incurring more than {$3000.00} in interest for XXXX of XXXX loans. 

I am truly astonished at how my account can come up completely clean, yet XXXX  can reach into my credit report and report falsely for the entire year of XXXX. The company is in a lawsuit with the Department of Justice, and continues to perform illegal practices such as false credit reporting, as well as making up a natural disaster in my area so that they can place my Mohela accounts under " disaster forbearance ''. I have verified with the FEMA website, that a natural disaster was not reported in my area since XX/XX/XXXX. My town of XXXX, MI was not included in that disaster. As of today, there are zero natural disasters in XXXX, MI. 

When I asked Mohela about this, I was told this was calculated according to my zip code XXXX. When I asked for proof of this, their reply was : It doesn't give the area or why Fema said that. I can take you off of the disaster forbearance if you would like. 

This illegal practice of making up a natural disaster in order to keep my account current, should be immediately addressed, and investigated. As well as the false credit reporting for the entire year, which caused me to lose valuable time and money, and lost opportunities to consolidate my loans from these immoral student loan companies ; Mohela and XXXX
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Transunion a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Transunion has removed all but one account according to what shows on my credit report dated XX/XX/XXXX. 
There is a Bankruptcy that shows on my Transunion credit file on, dont belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Transunion is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but Ive called XXXX spoke with a representative about the verification and was told that no one called from Transunion to verify a Bankruptcy on my file, that they use automated systems to validate accounts by entering consumer data, which sometimes can be in accurate as in my case. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. I forwarded a copy of my fraud affidavit along with my supporting documents which clearly stated that this is a fraudulent file. 
The following Inquiries showed up on my Credit Report, which I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( duplicate credit pull )
Product: Credit card or prepaid card

On XX/XX/19, I called to cancel my Bank of America credit card and to get a refund the annual fee associated with that card. When the card was cancelled, I was told that I would receive a bill for the amount due, and that it should have the fee refunded. However, I have checked multiple times, including calling, and the fee has not been refunded, nor have I received a final bill. I have tried to call again today XX/XX/19, and they have told me that the fee can not be refunded since the account is closed. I feel baited and switched, and all I want is for the fee to be refunded. It is customary by Bank of America to refund the annual fee if the card is cancelled within 30 days, and this is what I attempted to do. The account can not be reopened, and thus I have paid an annual fee for a card I do not possess.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank, XXXX, pulls my score from Experian, which displays as Excellent. I got free identity monitoring from Experian when they failed to properly secure the data of millions of Americans, so I get emails from them up selling other products all the time. When I clicked one out of curiosity, it told me that my credit was POOR. I was stunned, but didnt have time until today to investigate further. Today I pulled scores from XXXX  and XXXX  through XXXX and my Experian score through XXXX, and all three were excellent. But although my Experian Apology Protection score had gone up to being Fair, it was still way, way off what they were telling XXXX and what the other bureaus are saying. On the page with Experians false report are five buttons, each of which leads to a paid product they are selling, and there is no way to dispute or inquire as to what exactly is going on. I am concluding that they are misrepresenting my score because they think, as a victim of their incompetency who filed for protection, I am easily worried about my score and therefore great to target for upsells. This is really morally wrong to target their victims with false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 or other personal consumer reports

VIOLATION OF THE PRIVACY XXXX AND BLAINTED VIOLATION OF COMPANIES TERMS OF AGREEMENT PRIVACY POLICIES AND DIRECT DISCRIMINATION OF MY CREDIT PROFILE.
Product: Debt collection

There are two collections agencies on my credit report that are identity theft. I currently have a mortgage in XXXX, XXXX and someone tried to lease a apartment  in Minnesota under my information. 

Genesis Credit Management has charges on all of the bureaus for {$60.00} and {$260.00} XXXX XXXX XXXX has a charge on the bureaus for XXXX for {$110.00} that is also identity theft.
Product: Credit reporting or other personal consumer reports

After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( Transunion, XXXX and XXXX ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being Transunion, XXXX and XXXX have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows : XXXXXXXX XXXX, Acct # XXXX XXXX XXXXXXXX, Acct # XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.
Product: Mortgage

Pulled credit without permission. Website was very broken and did not function as they claimed. I spoke with a chat rep about these tech failures on the same visit on which they are basing the fraudulent credit pull. Talked with rep when they called me in response to a negative online review, she was nice but did nothing to remedy.
Product: Debt or credit management

Tomo credit is still harassing me about a payment which they successfully took out of my account after contacted cfpb which said that my account was closed & tomo credit acknowledged the account being closed as well. Please tell me how tomo credit took {$49.00} dollars out of my account on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that   XXXX   XXXX   reported my account as a Charge off on my credit report when I was denied a loan by   XXXX   XXXX   due to the Charge off. I immediately contacted   XXXX   XXXX   by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on   XXXX   XXXX   XXXX     and that my account was reported as a  Charge  off on   XXXX   XXXX   XXXX    . We both agreed that it did not make sense that my account would be reported as a Charge off 2 days AFTER my payment was received. At the time   XXXX   XXXX   XXXX  reported my account as a Charge off, it was paid in full with a  XXXX   XXXX . I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.
Product: Credit card

During the month of XX/XX/2024, I received a letter from Citi that my revolving credit limit had been lowered to {$4900.00} I received a statement for billing period XX/XX/24 to XX/XX/2024, indicating I had available revolving credit in the amount of {$3.00}, with a minimum payment of {$210.00} due XX/XX/24.

As i get paid on the 1st of each month, I made the payment of {$210.00} due XX/XX/24, on XX/XX/2024.

On XX/XX/2024, i received a telephone message from a Citi representative that my account was overdrawn. 

i called Citi and the representative said my account was overdrawn by, ( I thought she said {$99.00} ) and she asked when could I pay the over limit amount? I told her I had not received a statement indicating any over payment, and the next payment wasn't due until XX/XX/2024 What happened was the company had been lowering my credit limit and knew the available credit was not enough to cover a membership fee of {$99.00} which pushed the account over by {$9.00}. had the fee not been paid, Citi could have closed the account and i would have been left to pay the outstanding amount. instead they processed the account and then reported it over limit on the same day of my conversation on XX/XX/2024 I wrote a letter to the company indicating i thought this was a deceptive process because it violated the terms of the credit card agreement in that any chaanges to terms had to be in writing and giving me the chance to accept or reject the new changes which did not happen in this case. Citi responded with a letter indicating that they had reported to the big three credit card reporting agency that my account balance as of XX/XX/2024 was {$4700.00} No indication of the negative information being removed from the credit reporting agencies. plus in other reporting agencies received information from those 3 agencies, then that information should be removed as well but was not per their letter.
Product: Credit reporting or other personal consumer reports

I received a notice from Equifax that my dispute had been updated and verified.I asked Equifax for a method of verification pursuant to 15 USC 1681i ( 7 ) which I'm entitled to by law because it is impossible that Equifax conducted an investigation at allXXXX XXXX  account is still showing inaccurate, unverfied, and incomplete information ( see credit report attached underlining errors ) .Furthermore, XXXX XXXX sold their rights to report this account when they sold it to a collection agency ( see attached letter from XXXX XXXX XXXX ). XXXX XXXX  has willfully and negligently continued to keep reporting this unverified account causing it tore-age and affect my credit score tremendously. A charge off should have NO payment history available as it has ceased to collect by charging off the debt, yet the account is showing and reporting to my credit report with inaccurate, incomplete and unverified information and the credit report proves it.This is a clear violation of FCRA 605 ( C ) and Equifax should DELETE this account immediately for violating my rights.
Product: Debt collection

Capital Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this matter and I quote was : Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. 
Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC XXXX XXXX