23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2021, Capitol One emailed me XXXX  letters stating that both my XXXX  ( ending XXXX ) and XXXX  ( ending XXXX ) credit card accounts were fully restricted and blocked for reasons unknown, even though both accounts have a XXXX balance and I always made on time payments. Then, I received a voice message from a male Capitol One fraud department specialist who asked me to call back to discuss how both of my credit cards are restricted. He said a " case '' has been opened for me and gave a cade number. Next, I received an email from Capitol One asking me to re-verify my identity by uploading copies of front and back of my driver 's license, social security card and a recent utility bill with my current address which I did immediately. Since then, Capitol One has not lifted the restrictions. I called Capitol One four times today and spoke with six different account specialists. None of them would answer any of my questions about why my credit cards are restricted, what triggered this and why the restrictions have not been lifted. I believe I am the victim of unlawful discrimination because I have a XXXX name and XXXX XXXX XXXX XXXX XXXX XXXX. Alternatively, Capitol One may be retaliating against me for filing a still active and pending CFPB complaint against it for having assessed unlawful " junk fees '' on my XXXX  card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation.I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources.If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report. These items are not showing from the other credit bureaus I implore you to please remove these items immediately.
Product: Checking or savings account

There was a US Bank account opened without my knowledge or approval. Ive called US bank several times to let them know its a fraudulent account however they havent done anything nor investigated. Im a victim of identity theft and whatever checking account US bank is showing on their record is not mine.
Product: Mortgage

Regarding HSBC Mortgage loan # XXXX I have spoke to XXXX different people at HSBC requesting information be sent to me and have gotten XXXX different answers. 
I am asking for the last 3 years ( up to current ) payments made on above mentioned loan. The bank is saying that they wont e mail it or will only send it to the address that the loan is for. It also isnt available to me online. 
My ex wife lives at the address ( she is also on the loan ) but I am still 1/2 owner of the property. I obviously can not receive any mail at that address and the bank refuses to send the information to my apartment address ( listed below ). I gave the bank written permission to send me a copy ( by e mail ) of a letter they sent to the loan address regarding forbearance and they e mailed me that info 3 months ago BUT they refuse to send me a copy of payments made claiming they cant e mail this info. They also refuse to send it by usps mail. This is not the nuclear codes its simple payment info. I answer all of there security questions when I speak to them so there is no reason that they cant e mail or regular mail the info I am requesting. 

My info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX Property info for the loan is : XXXX XXXX XXXX XXXX XXXX NY XXXX This house is on the market for sale and my attorney is requesting this information. The house cant be sold without my attorney having this information so there is a time crunch for the info. Your help is greatly appreciated. 
Thank You XXXX XXXX
Product: Checking or savings account

The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in checking XXXX, and savings XXXX. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or security team through XX/XX/XXXX to XX/XX/2022 about the situation. The customer service representative or security team was not able to give any information about the situation, or when the issue would be resolved. I had spoke to them between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the security team stated despite the outcome, were still not able to reverse our decision, and it was just a business decision. They stated that I would have to wait between 60 to 90 days for them to mail or access my funds. I ask them is there a way I can go directly to the local branch to withdraw my own funds, so I can continue to make payments on my bills ; but the customer representative or security team stated that the local branch does not have access over bank accounts that has been suspended or frozen ; as my checking and savings account was in good standing. I just want to know what my rights are, because I believe I have not did anything that they believe would be illegal, and there was not any suspicious activity from my checking ending in XXXX, and savings ending in XXXX. They suspended or closed my account without me being notified in advance, and only found out the account was frozen when I logged into my bank account. My credit card with Discover was still active, but I needed my own funds so that I may be able to continue to make payments on my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXBalance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX AT XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My account was locked. In order to unlock the account, the agent mentioned that they will have to mail me an identity verification document. I will have to send a notarized affidavit and mail it back to the bank. The reason I opened an online account is to conduct business online and not have to deal with mail. In addition, my funds are locked for more than 15 days which is completely unacceptable. Marcus should be able to resolve the issue online. If not, they shouldn't allow consumers to open accounts online and instead have physical branch locations where the consumers ' issues can be resolved.
Product: Credit reporting or other personal consumer reports

I filed XXXX report due to inaccurate/unauthorized accounts/inquiries on my report, nobody would help me.
Product: Prepaid card

My account was permanently suspended on XX/XX/XXXX of 2024. I contacted the bluebird American express company where they said I violated section XXXX of the bluebird membership agreement. They would not elaborate further on what that meant other than it is suspected fraud and that I would need to prove my identity, of which I did by sending them the requested letter in the mail. I continually called back until they confirmed that they have received my letter. They said that the " back office '' would need to review it and that I would receive an email from them. It has been months and months of this same back and forth. No one can tell me anything or a time frame of when I can get my money back. It is over {$XXXX} and to some that might not feel like much but to me it is. I've searched online and there are tons of other people going through this same problem with them and no resolution. I don't understand how they can just keep my money indefinitely.
Product: Credit reporting or other personal consumer reports

Tansunion added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by Transunion. I filed a dispute for 3 accounts for the same creditor. Transunion removed one account from my credit report but failed to remove two additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait 30 more days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXXXXXX XXXX Reported :XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported :XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX  XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX  XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my rental screenings report by TransUnion. 

I have recently been denied for every rental application that utilizes TransUnion rental screening services. Upon contacting TransUnion 's rental screening department, I was informed that the denials are due to inquiries on my credit report. However, these inquiries stem from my attempts to apply for rentals, which seems unjust. 

Furthermore, I was told that I lack sufficient credit history, categorizing me as a " risk '' to potential renters. In light of the current housing instability and increasing homelessness rates, I believe this practice is discriminatory and should be reconsidered. 

The lack of transparency and the inability to address these concerns have hindered my ability to secure adequate housing. I respectfully request that this matter be investigated and urge TransUnion to reevaluate its rental screening processes to ensure fair treatment for applicants like myself. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.
Product: Checking or savings account

On the morning of XX/XX/2019, I logged into my online checking account with Fifth Third Bank to realize that I had a negative {$100.00} balance due to an overdraft charge in the amount of {$140.00}. In an effort to resolve this situation I called Fifth Third customer service, in which I was told that the {$140.00} in overdraft charge was made up of five ( 5 ) separate {$30.00} overdraft fees on my account. Further, the representative informed me that I was only able to receive two ( 2 ) credits back totaling {$60.00}, which was their company policy. Very upset by this, knowing Fifth Third was going to keep {$90.00} of my money due to the proposed resolution, I asked to speak to the representatives supervisor in which I received the same correspondence. Still not satisfied with my resolution, I asked to speak to the supervisors manager, in which I was then informed by the manager that he had the ability to give me back my credits in full but said he would not past the two totaling {$60.00}, meaning Fifth Third was keeping approximately {$88.00} of my hard earned money! I asked the manager to make a good will exception to this and refund the total {$140.00} but he impolitely refused. So, as of this complaint, I have not received any credits, was promised I would receive two credits totaling {$60.00} tomorrow, and the remaining {$88.00} will never be returned.

After being on hold for over 25 minutes throughout this entire  situation, I re-explained multiple times that this situation was due to a deposit/withdrawal timing issue with my account ( I recently closed my old checking account and opened up a new account approximately 3 to 4 weeks ago, in which a lot of my auto withdrawals and autopay bills needed to be re-setup ). Additionally, this issue was also due to the fact that no one ever informed me nor asked me if I wanted to be enrolled in over-draft protection. I was under the impression that I always was enrolled, but the manager told me I was not and that it was not their responsibility to do so. If I was enrolled, I would have had my savings funds available to cover the overdraft ( which I had plenty to cover at the time of this error ). To make sure no more fees take place, I have had to transfer money from my savings account to cover the balance ( making my new balance + {$97.00} ), considering the rude manager did nothing to  help me and actually told me he had the ability to do so! I am extremely upset because if you look at my checking account, as of this morning ( only being a manner of a couple of hours ), the ONLY reason my account balance is negative is due to these egregious fees. A grace period or good will adjustment would have fixed this problem. I have been banking with Fifth Third for approximately 15 years and have never been treated this poorly. Further, since Fifth Third Bank has not ever asked me / enrolled me in auto-draft protection, I believe I have been treated in an unfair, deceptive, and abusive manner. This situation is honestly another situation where a Bank is taking advantage of the everyday consumer, which is NOT okay.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX  XXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXXl Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my reports
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

"
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. 

Account Name DEPTEDXXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX and list of Inquiries. 

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.