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

Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Chase charged interest on the average balance rather than the unpaid balance. {$17.00} interest on {$530.00}. They show an average balance of {$1100.00} and based the interest of 17 % on that amount. They are refusing it. They claim that this issue shows on the disclosures. They claim that I was short only {$1.00}, that this calculation would take place. 

I have been in XXXX  for 30 years and have never heard of this method.
Product: Payday loan, title loan, or personal loan

Someone tried to apply for a loan through Penfed credit union using my identity I did not apply application # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.
Product: Money transfer, virtual currency, or money service

Radius Global Solutions slammed my credit with the credit bureaus with a utility account that was fraudulently put into my name without my knowledge or permission. This is literally an extortion scam with collections wherein someone is going to blindly pay on account that is not theirs in an attempt to fix credit. This needs to get off my credit and the credit bureaus immediately!! These collections attempts of debt that is not mine needs to stop!! See enclosed identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries, which are a result of a data breach and fraud, be blocked and deleted from my credit report. I am a victim of identity theft, and these accounts were fraudulently added to my credit history. In compliance with XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I request that these fraudulent accounts and inquiries be immediately blocked and removed from my credit file. 
Fraudulent Accounts : DPT EDXXXX - XXXX - XX/XX/XXXX - {$00.00} DPT EDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} DPT EDXXXX - XXXX - XX/XX/XXXX - {$00.00} DPT EDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$300.00} Fraudulent Inquiry : XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the third time on XX/XX/XXXX ; I applied for a HELOC from Figure Lending LLC. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to XXXX, they tell me that I have not had a delinquency for close to 3 years. But, they still are stating past or present delinquencies. Also, a Heloc loan is tied directly to my home. So, there is very little if any risk! If I have had my home since XXXX ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question Figure as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past three years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware XXXX XXXX  account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You XXXX are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness.

Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXX XXXX XXXX XXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.
Product: Credit reporting or other personal consumer reports

This loan balance was paid in full on XX/XX/year> for the remainder balance of {$570.00} through the collection company XXXX XXXX. I received a paid in full letter from XXXX XXXX and Possible Finance.
Product: Credit card

XX/XX/XXXX I have filed three complaints on Synchrony Bank for not closing a fake account in my name in XX/XX/XXXX. Synchrony refused to close the card which w

as an Amazon credit card. Then when they closed the card, It was a balance over {$5000.00}. Synchrony Bak put on my credit report and runin my credit score. I contact the credit report company and sent information about how I contact the bank and the report I filed with the XXXX  and the credit report company XXXX XXXX report the information off of my credit report. 

Then a few months later I started getting letters from Amazon Credit Card. Synchrony Bank is still trying to ruin my credit score. I get at least one bill a month from Amazon Credit card. The Amaonzon credit card is issue by Synchrony Bank. This bank is still trying to ruin my finacial record.

I need CFPB to do something here. This is unethical and you know it.

I want to file the complaint against Amazon Credit Card Company. They are filling report on my credit report after XXXX XXXX removed the false information.
Product: Checking or savings account

Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Urgent Attention Required for Compromised Account and Legal Matter Dear Bank of America Customer Service and Risk Team , I hope this letter finds you well. I am writing to bring to your immediate attention a matter of great concern regarding my accounts held with Bank of America under my credentials. I recently discovered that my accounts have been compromised, leading to unexpected issues that require urgent resolution. 

I want to emphasize that I have not provided any sensitive information that could have led to this compromise. As per banking regulations, I understand that banks are not authorized to close accounts solely based on an individual 's inability to comply with the data breach and scamming system. 

It is with regret that I inform you that, due to these unforeseen circumstances and what appears to be a breach of proper bank protocols, I feel compelled to pursue legal action. According to my understanding of the situation, Bank of America and XXXX XXXX XXXX may be liable for damages resulting from this incident. 

I have consulted with legal counsel, and we are prepared to file a lawsuit seeking compensation in the amount of {$3.00} XXXX to cover the losses incurred and the distress caused by this situation. 

I sincerely hope that we can resolve this matter amicably and promptly. I am more than willing to cooperate fully in any investigation to identify the source of this compromise and to strengthen security measures to prevent such incidents in the future. 

I kindly request that you treat this matter with the urgency it deserves and initiate the necessary steps to address the security breach and prevent any further unauthorized access to my accounts. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Checking or savings account

About 10 years ago I received a car loan from Chase and opened a checking and savings account with them. In XXXX, I opened a business account and credit card processing. At the end of XXXX, I opened a different business account with no credit card processing. Both business accounts had other signers. 

In XX/XX/XXXX, I received a letter from Chase in the mail that they were ending their banking relationship with me for my personal accounts. I called and spent about an hour on the phone and they refused to give me any information as to why they were closing my accounts or if a person or algorithm made the decision. I went to my local branch where I was well known by the staff and they reviewed my checking and savings account and said they could not see any transactions that would cause alarm. 

The manager at the local branch said they would not tell her why they were closing my accounts. She suggested it might be because we pull a lot of cash out of one of the business accounts ( the one without credit card processing ). We receive international wire transfers in, take the money out to XXXX   XXXX, and then XXXX XXXX XXXX. Chase reviews our account about once a year and we explain where the money is coming from and where it is going and everything is fine. Our business accounts were not closed. I closed the first account with credit card processing because I was not going to continue to have products from Chase when they were treating me poorly. 

I looked online and there were a lot of reasons that people 's accounts were closed, I have had none of these instances. My credit score is XXXX, my account was not in the negative and I had about $ XXXX in my savings account. The transactions were my paycheck going in, bills and shopping going out, and small amounts of cash from the ATM every other month. I was not selling my credit card points, I had not attempted to buy cryptocurrency, I work in the XXXX XXXX, did not deposit money orders, no credit piggybacking, I did not open accounts, no large cash deposits, and all my accounts were in good standing. 

The maddening part is no one at Chase will tell you why they are ending the banking relationship. I asked how long I was banned from Chase and I was told for life. I read online some people were able to successfully open accounts after a year. There is no possible way I can correct any issues Chase might have had a problem with because I do not know what they are and there is no clear indication of what they might be. It is illogical to close my personal accounts for transactions on a business account that was allowed to remain open. 

XX/XX/XXXX, I was approved for the Chase United Explorer card with a $ XXXX opening balance. The account was closed a few months later because their partner had chosen to end their banking relationship with me. This prevents me from obtaining extra airline rewards on a carrier I have frequent flyer status with.
Product: Vehicle loan or lease

In XX/XX/XXXX, I visited XXXX XXXX to see if I could buy a used car. I had a credit score over XXXX and a deposit. The salesman let me look at a XXXX car. It looked nice on the outside. We did not test drive it. Instead, he took me to an office to see if the numbers would work. I agreed to make a {$1500.00} deposit. Soon he was having me sign paperwork without explaining any of it. I was overwhelmed. I told him I could only pay {$750.00} immediately because I needed to transfer money. I thought that might slow down the deal so I could come back another day. To my surprise, he said that was fine but not to tell the bank. 

When I got home, I realized that I had been charged nearly {$24000.00} for a six-year old car that had over XXXX miles on it. Even worse, the interest rate was XXXX % and my total cost would be over {$40000.00}. The next day, my co-workers agreed that it was a bad deal. I went back to XXXX XXXX with someone I trust and offered to allow the dealer to keep the {$750.00} deposit I had made if I could return the car. They refused. We left, but later returned the car with the keys to their lot. 

I called the loan company immediately, told them what happened and what I had done. The person I spoke to was very sympathetic but made no promises. Since then, Credit Acceptance has continued to send me bills and called me nearly daily even though I have told them that I am not in possession of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX credit cards that went into default with JPMCB over two years ago. XXXX card for XXXX and XXXX card for around XXXX. Since then, I have paid off XXXX credit card for the amount of XXXX. JPMCB closed my credit cards XXXX years ago. JPMCB wrote it off as a loss and turned this case over to a collection company and they reported it to the major credit card bureaus and my credit score dropped into the XXXX 's. Two years later and a wage garnishment later. Again my credit score dropped XXXX point because of the collection agency. If my account has been close for over two years now and I have worked hard to raise my credit score and continue to pay towards the XXXX. Why do you feel you have the right to continue to XXXX with the credit bureaus to hurt my credit score. You are getting paid every time I receive a paycheck because of the wage garnishment you placed with my employer. How many times do you think you have the right to hurt someone's credit score when you are being paid back. This is the second time you hurt my credit rating and you are getting paid back. XXXX XXXX shows that these XXXX credit cards are still open. That not true!
Product: Debt collection

enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. 
THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.
Product: Credit card

This credit was reportin inaccuries on my credit report I call company about my credit worthiness and could not get this resolve. I made several attempts into resolving this matter. I made an agreement to pay it off and to have negative remarks taken from my credit report as the company Truist agreed if I settle the account. It is still reporting negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA N XXXX )
Product: Debt collection

Kovo the account is closed and I keep trying to put late payments on it. We can do agree with a paid in full and cancel it, and they still trying to put life is on it.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XX/XX/XXXX( XXXX )
Product: Checking or savings account

- Fraudulent XXXX transactions were sent to someone to a XXXX account with the name XXXX XXXX and email address XXXX - Chase personal and business account ( online accounts not linked ) - 6 charges from personal chase account - XX/XX/2018 {$280.00} - XX/XX/2018 {$350.00} - XX/XX/2018 {$430.00} - XX/XX/2018 {$440.00} - XX/XX/2018 {$480.00} - XX/XX/2018 {$490.00} - 1 charge from business account - XX/XX/2018 {$290.00} - I don't know this person and no one has access to my online accounts.

- After Chase completed its investigation on the personal account it responded with the following We have completed our research for the transaction ( s ) you reported on XX/XX/2018, and this claim is now closed.

Here 's what you should know - We found that the transactions was processed correctly or was authorized - As a result, we are removing {$2400.00} from your account on or after XX/XX/2018 - When I called them they told me - That some of the transactions where made on same IP addresses as authorized transactions - They also said that at least one of the times that one of these transactions where made they accessed my account through a finger print - Chase then removed the initial credit of {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. Capital One put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}.