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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - RXXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

On XX/XX/XXXX I received a checking account statement in the mail from Wells Fargo, even though I have never in my life had an account with Wells Fargo. I called and they said there are actually two accounts in my name but I never created these accounts that were created in XX/XX/XXXX. They then said they would investigate and call back. They gave me a case number and phone number to call. I have never heard back and I wait on hold for hours when I call and no one answers. I did verify the phone number is the correct one for Wells Fargo ID theft department. 

The only time I gave Wells Fargo any information was when I was on a board of a historic association. I was 3 third person listed as as an account backup. I believe they fraudulently created these accounts to increase their activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXXXXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in the amount of {$10000.00} in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for payments to be XXXX XXXX Monthly for a total of 60 months to LendMark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XX/XX/XXXX this vehicle malfunctioned stopped running, I had it towed to XXXXXXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX informed me that the engine was gone and the cost to repair the vehicle would be {$7000.00} ; I did not have the funds to repair this vehicle and make monthly payments, also with paying auto insurance, personal property taxes for a Vehicle that was not operating. I continue making monthly getting behind in all monthly payments accumulating late, late fees. I XXXX in XXXX of 2023 requested a reduction in monthly payments with the XXXX XXXX through XXXX, payments went from {$320.00} to {$240.00}. Please this vehicle failed 7 months after I obtained it from the Dealer. My Loan balance stands at {$6200.00}. I continue to pay the Personal Property taxes due on the vehicle twice a year ( XXXX & XXXX ) Also currently paying XXXX XXXX XXXX. I am requesting, please assistance in dissolving this Loan completely due to the failure of the vehicle within a short period after purchasing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The account name JPMCB CARD with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted Chase bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. Chase bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and Chase has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at Chase recommended I dispute the account to the 3 credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Product: Credit card

I purchased a round trip flight from XXXX XXXX for {$1400.00} leaving XXXX  XXXX XX/XX/XXXX arriving intended to arrive in XXXX XX/XX/XXXX however due to incompetence by the air carrier my flight was severely delayed causing me to miss my stay in XXXX and as outlined in their passenger rights there is supposed to be monetary compensation which has not been given. Furthermore my flight returning from XXXX to XXXX was delayed and then they closed my next gate to get home ( XXXX to XXXX ) earlier than outlined on their tickets I took a screenshot of my phone as soon as I thought to at the gate and latter took one of my calendar while waiting for their customer service representative to lie to my face and tell me I did not make it in time despite it saying on the ticket boarding closed at XXXX. I also took a picture of their support desks ticket which highlights the time when it is printed. Indicating XXXX with there being well over a 5 minute walk from my gate to their help desk and I spent time arguing and begging the people at the gate explaining how I had arrived in time. They forced me to pay {$1000.00} to get home despite it being their fault. Additionally I have attached a screenshot of my bags XXXX because they told me that I was too late to board so my bags would be waiting for me at my destination but my XXXX clearly shows that my bags were still at the terminal having never been loaded or were taken off the flight if they were never loaded I dont know how they expected me to make it in time and if they were removed there was enough time to allow me to board. This is clearly an elaborate scam designed to extort passengers out of money because they are desperate to get home. They have indicated to my bank I voluntarily took a flight change for the next day which can not be further from the truth. It was extortion pure and simple. My bank Wells Fargo refuses to look further into the matter because XXXX XXXX  indicated the flight ran at the scheduled time ( which I never complained about ) my complaint has been it left without me or my girlfriend because they prevented us from boarding in order to extort money from us.
Product: Mortgage

In XXXX of 2021, I applied for a refinance of my mortgage. I accepted the interest rate of 2.75 %. I am a XXXX XXXX. I might be away from home as much as 3 months a year. I have a mail box at a XXXX XXXX that I use as my mailing address. They collect and forward my mail to wherever I am working. The refinance reps wanted a bill that didn't show my mailing address but only my residential/mortgage address. I sent or uploaded my water bill. I was told by my refinance rep that my file was complete and it would take about 60 days for the new interest rate to take effect, probably XXXX. 

When I did not see any changes on my XXXX statement, I called to follow up. It was then I was told that my file had been closed because it was incomplete. I asked how it was incomplete, the rep said it was missing the water bill. I explained that i sent my water bill and was told Iwas approved. The rep confirmed that the water bill was there and a part of my file. Then i was told that the file was closed due to fraud. I asked for a explanation but no one was able to give me one. I was transferred to several different reps in different departments, always being told the next rep/department would be able to reinstate my file and give me the 2.75 % I was supposed to get. No one could tell me why my file was closed or what " fraud '' had been committed. No one could tell me why Freedom Mortgage, who called my cell phone everyday while waiting for the water bill, did not call, text, email or write me to say my file was incomplete ( which it wasn't ) or that fraud had been found. 

Then I was sent to XXXX XXXX. He said he could give me a quote on the current interest rate, since the old one expired. He told me the best he could do was 3.875 %. I declined. What I also found out later is that XXXX XXXX had not given me a quote. He filed a whole new application, without me knowing. 

This experience has left me feeling deceived and cheated. I've decided to give Freedom Mortgage every opportunity to rectify this situation before I hire a lawyer and start filing complaints to the relevant state/federal agencies, civil rights groups, predatory lending organizations and social media. Can you please help me fix this? Or forward this to the person/department who can?
Product: Debt collection

I have disputed this account for years. Each time I dispute, the origin year is updated. Thats incorrect. This acct was opened in XXXX, closed in XXXX yet, its reflecting open in XXXX!! Thats false information.
Product: Credit card or prepaid card

I called Chase Bank after i realized they were charging me interest on balances for daily purchases even though these purchases were being paid off in full each month. However i received a loan from my credit card the year prior for 0 % interest and 0 payment for 1 year ending XX/XX/2023. Instead of applying my payments to my daily purchases chase bank was choosing to apply it to the loan on my account. This resulted in me being charged {$80.00} a month interest over the 12 months for my daily purchases. I explained that these monthly payments should be applied to my daily purchases and not the loan as it is not yet due. The customer service rep hung up on me.
Product: Checking or savings account

They told me I couldnt because I was on a list but I never done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX last year, I had to pull out all three credit report due to a unauthorized hard inquiry, and no matter how I tried to pull out the Transunion report, and it did not work online, so I called them and received a paper copy from them. 

After reviewing that, I found out several stuff need to be fixed because the report was so mess up, I filed dispute online and again it did not work. 

I called Transunion again for the dispute, they requested me send them all the supporting documents though the mail, I sent that mail to them last year, until today I did not receive any response from them. 

Also, until today I still can not assess my Transunion report online, I believe they have not fixed anything and it is still mess up.
Product: Credit reporting or other personal consumer reports

I RECIEVED A COPY OF MY CREDIT REPORT, TO MY SURPRISE LVNV IS REPORTING THIS ACCOUNT INACCURATELY. THIS COLLECTION ACCOUNT IS REPORTING NOT ONLY AS OPEN, BUT IT IS SHOWING A PAST DUE BALANCE {$680.00}. AN ACCOUNT THATS IN COLLECTION SHOULD NOT BE REPORTING AS OPEN! ACCORDING TO THE FCRA I HAVE THE RIGHT TO A FAIR CREDIT REPORT. PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT!!
Product: Credit reporting or other personal consumer reports

I received a call from someone claiming to be from Key Bank. They had my name and the last XXXX digits of my social security number and my zip code and they claimed the application came from New York. I told them to cancel it. I was turned over to XXXX from the Consumer Fraud dept but he started fishing for information so I said I would hang up and call back. I asked him to cancel the application and he refused. The phone number called from ( XXXX ) is not in service if you call back. The happened XXXX at XXXX XXXX  and the caller ID was XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2023, we made a {$280.00} deposit to a relatively new account at Chase Bank. The deposit was from a long time client of my wife 's, she XXXX a child and family therapist. There as nothing unusual about the check,, it was from a local XXXX XXXX and Bank XXXX XXXX had never had an issue with them. 

Chase Bank suspected that the check was a forgery, we have no idea why they think this. They have frozen our entire account of {>= $1,000,000} including my paycheck from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), a check for {$150.00} for my birthday from my mother and our original {$2000.00} deposit. 

They won't explain why they froze our funds, they won't say when they will unfreeze them. We have XXXX  scores of over XXXX, a flawless XXXX report ( with a high score ) and an impeccable background.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XX/XX/2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This XXXX  account is causing extreme XXXX hardship and pain. It is making it extremely difficult for me to acquire credit.
Product: Credit card or prepaid card

I added seven authorized users to my Capital One account causing my account to get flagged and frozen on suspicion of fraud. Since, I have spoken to several managers and representatives who requested documentation verifying that it is not fraud. I provided those documents multiple times over the course of about two months and they are still refusing to release the hold. I wrote Capita Ones corporate office and have yet to receive a response from them as well. Now, today, I received a notification that my account will be closed due to no address which was seemingly deleted and I have no ability to correct due to my account status. This is one of most favorable accounts and losing it will negatively impact my credit profile as well as other lines of credit tied to this bank which are also frozen because of this one issue. Every time I call customer service I am given the run around and/or conflicting information, especially regarding documents being received. This is seeming like a modern day form of discrimination from a major company that Ive been loyal to for years. I need help regaining access to my account to prevent harm to my credit, finances, and business.
Product: Mortgage

I refinanced with Guaranteed Rate in XX/XX/2020. I had no payment due in XX/XX/2020. In XX/XX/2020 I received notice from Guaranteed Rate that my new mortgage servicer was now XXXX XXXX  and I should make my XX/XX/2020 payment to XXXX. I am now receiving collections calls and letters from Guaranteed Rate saying I am past due. I made my payment to XXXX on XX/XX/2020, and XX/XX/2020 as instructed. 

Guaranteed Rate customer service tells me they have no record of my account being sold to XXXX. I sent them THEIR letter, with no response.They also sent me a letter XX/XX/2020 that my mortgage was sold to a 3rd company, XXXX XXXX. Guaranteed rate reported me to the credit bureaus as delinquent when I don't even have an account with them, and they sold my account to a 3rd  company when they do not own the loan. 

Guaranteed Rate collections department is telling me I need to make another payment in order to stop the calls and collection attempts. I have been asking them since XX/XX/XXXX to fix their records, I emailed them copies of everything - even their OWN letter telling me to pay XXXX XXXX. My credit score has now been lowered over all this and I have never been late with my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX 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 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

Information was never sent that account was in dispute and Im sending new documents showing that its in dispute and needs to be removed while under investigation by the CRA.
Product: Credit reporting or other personal consumer reports

A service hired by TD Bank to handle delinquent accounts during the pandemic, is not accurately reflecting agreement reached, payments, made, or indebtedness. If I paid the full debt, at a reduced speed, there was to be no negative report. I complied, in fact, paying it off around a year earlier than the plan. When a {$100.00} past due error was discovered on my credit account, I called and confirm with TD that my account was paid in full, and their records accurately reflected this. Their service provider, XXXX XXXX XXXX retaliated against me for calling them out for inaccurately reporting that I had this amount remaining due. They updated my credit report to instead claim that over XXXX XXXX XXXX has been written off, and are challenging my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed an FTC report for Identity Theft. I then submitted the CRA 's a copy of that filing and a list of items that were included in my FTC affidavit that should be removed from my credit profile. There are several tradelines still reporting fraudulently on my report. These companies include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple certified letters to TransUnion showing proof that a public record listed on my credit report should not be there. TransUnion has refused to delete this information, and has refused to investigate the incorrect information listed on my credit report and delete it as required by law. I submitted letters to the source of their information, XXXX and Courts and received information back from those sources that indeed the information on my credit report is not correct, unverifiable, and has been deleted. TransUnion has refused to believe this and delete this from my record.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX NATIONAL CREDIT SYSTEMS XXXX. Because I am unaware my credit was ran or what this inquiry is. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove or correct any information. I am requesting this be removed immediately as its affecting my chances on getting a car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

Within my Bank of America account on their website I mistakenly transferred {$20000.00} to my Bank of America Visa card instead of transferring funds from savings to checking. I called them an hour later after noticing the mistake. They informed me on the phone that this could be fixed but would take up to 10 business days. After 10 business days I called back and was told that they didn't know what had happened but that they could refile the request and I would need to wait an additional 10 days. After 10 more business days I called in and was told they didn't know what had happened but that they would escalate the request and I would have my money in 3 business days. After my money wasn't in my account after 4 business days I called in again and spoke with 2 agents who told me it would be another 10 business days and that the previous agent who had told me it would only be 3 business days was incorrect and that process wasn't even possible to complete in 3 business days. At this point I requested to speak to a supervisor who told me this process actually takes 1 to 2 business cycles, meaning between 30 and 60 days. HOW in the world can it take up to 60 days to transfer money back to my account. Its not like they don't have billions of dollars laying around. Clearly their process is horrible and their lack of transparency and training with their agents is absolutely horrendous. Additionally due to their inability to transfer funds back into my account I incurred {$350.00} in credit card fees on an additional credit card which I used to pay for a portion of a kitchen remodel.
Product: Money transfer, virtual currency, or money service

PROSPER is deducting money ckecking account. I have them to stop there transfers, but they keep on doing it. 

{$2500.00} a month e
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act XXXX  Account # 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