23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have submitted a dispute to all XXXX credit bureaus to have my payment history updated on my Bank of America credit card. The late payments on my report are effecting my ability to get a house. I have had stellar payment history for the last 4 years since Covid 19 and resume to be a good client of Bank of America. The payments that are affecting me are during the period of Covid 19 and were supposed to be covered under the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXXXXXX XXXX account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
FIFTH THIRD BANK Inquiry : XX/XX/2020 XXXX XXXX XXXX  Inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX Co, ) 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.
Product: Credit reporting or other personal consumer reports

XXXX  will not remove accounts XXXX  will not remove accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  3  credit bureaus (  XXXX ,  XXXX , and Experian  )  will honor removing the inquiries even though I was solicited by   XXXX   XXXX  . The  FACTS stat es inquiries can only be pulled under certain conditions and " firm '' offers are  one  of those conditions. Here is a reference to the code under ( c ) (  1  ) ( B ) ( I )  : 15 U.S. Code 1681b -  Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agenc y may  furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) (  3  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;  ( ii  ) the consumer reporting agency has complied with subsection ( e ) ;  ( iii ) th ere is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and  ( iv )  the consumer report does not contain a date of birth that shows that the consumer has not attained the age of  XXXX , or, if the date of birth on the consumer report shows that the consumer has not attained the age of  XXXX , such consumer consents to the consumer reporting agency to such furnishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identify theft. A XXXX XXXX XXXX and FXXXX XXXX XXXX XXXX  accounts that has been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when Equifax got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet, Equifax says that they can't provide the information as they don't have to but also can't remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX  Fl. I talked to XXXX  and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX
Product: Debt collection

This collection agency keeps disputing my request to validate who they are, this is the third letter between us and every time I asked the debt collector, Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and all they keep sending us is a copy of this lease agreement. I keep asking this collection agency these questions so we can move forward but they have disregarded my intent for them to prove who they are.Also, this collection agency did not contact me and my mother within the five ( 5 ) days of them retaining this debt. I 've also stated to this collection agency three ( 3 ) times that this debt is in dispute and that we do not owe this debt that this apartment complex is saying we owe but yet, national credit systems is not trying to here it, and are still reporting this debt as validated to all three credit bureaus in which is harming I and my mother credit history .Do we have a case? Thanks
Product: Mortgage

On XX/XX/20 we entered into an agreement with Amerisave Mortgage to refinance our home. We told Amerisave that we would pay closing cost, that we did not want that amount rolled into the loan. We gave them all the information that was requested such as bank information, insurance information, brokerage statements, tax returns and copies of drivers license. 
About 2 days later Amerisave sent an appraiser out. We received a copy off the appraisal the very next day via email. And although we contacted our representatives about every 4 or 5 days we didn't hear anything about our loan. The loan originator just kept saying that they were working on it. Finally, we received a closing disclosure dated XX/XX/20. It stated that the closing date XX/XX/20, and disbursement date XX/XX/20. The loan amount was for more than we requested. The closing costs seemed fair, but the biggest error on the document was the payoff amount to XXXX, our current mortgage company. The amount was overstated by at least {$1000.00}. We tried over and over to get these two amounts changed and we got nothing. We received two other closing documents after this and the payoff amount kept going up. On XX/XX/20 we closed on the loan. Our disbursement date was XX/XX/20. Today is XX/XX/20 and XXXX has not been paid. We can not get answers from Amerisave. They don't know what happened. We reported Amerisave to the XXXX XXXX XXXX and they did not respond. No one at Amerisave will take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to verify the accounts you listed wrong status in my report - I have never paid them late :  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Checking or savings account

In early 2023, I opened a Chase Business checking account for my real estate investment business at a Chase bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and deposited a check for {$660.00} addressed to the business. I later flipped a house and was set to close escrow in XX/XX/2023 and asked for my funds to be deposited into the checking account but was alerted that the wire did not go through. After calling Chase, they told me my account was closed due to suspicion of fraud and would not go into detail besides saying the company had the right to do close any account for any reason. I accepted this and took my business elsewhere but they would not give me back my initial deposit. 

I have been to multiple branch locations and spoken to many customer service people on the phone weekly and have not received any new information or insight to when I will receive my initial deposit back. The only information they tell me is that an internal fraud team is investigating and there is no further escalation or way to contact them so they have essentially stolen my money for over 10 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}
Product: Debt collection

I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two capital one credit cards ( XXXX & XXXX ) that show closed and paid on all my credit reports in CLOSED ACCOUNTS.I have disagreed and tried many times to have these two accounts removed/disputed from all credit reports.The one account opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill the payment agreement and capital one stopped and closed the account.After they did that, I called capital one in XXXX for arrangement to pay the remaining and negotiated deletion if I finish paying of this account on my credit report which capital one did not fulfill there end of the bargain.As of XX/XX/XXXX, its on my credit report under closed accounts on all three reports.The second account was opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill my payment obligation.In XXXX I called capital one to arrange payments to pay off credit card and in return the remove this account from all credit reports which they agreed on.As of XX/XX/XXXX, its still on all credit reports under CLOSED ACCOUNTS.I made several attempts to get these accounts removed.There statements and comments are false.Capital one will not cooperate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian that someone had tried to open up a loan in my name using my credit report. The company also stated that they used my information to also open up a savings account in my name as well. Ive called XXXX and they have frozen/ stopped the account and the inquiry and I also called Experian and they took off the credit report from my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 
The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 
In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX Account # XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX
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. Capitalone Spark Business XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

At the end of XXXX, 2015, my XXXX son moved from our home XXXX. I gave him my AARP Chase credit card to use in case of emergency. It had about {$800.00}. credit left on a {$4800.00}. limit. In the next few months, my son used the card until it was almost {$2000.00}. over limit. Chase approved all these purchases. When I called and then wrote them to complain, they replied that the overages were my fault because I had given my son permission to use the card. They said the issue was between me and my son and that I owed all charges and interest. I think that I made a bad decision in giving my son the card and I know that he acted irresponsibly. He and I are working through that situation. However, that is not the crux of the matter. I am questioning WHY Chase continually approved charges over my credit limit. At about this time, Chase had sent me information XXXX attached ) asking if I wanted to raise my credit limit. I never said yes. I believed that a limit meant a final boundary. XXXX My XXXX card emails me an alert when they reject a charge because I am too near to my limit. ) I am attaching XXXX letters I sent Chase which explain in detail my complaint and the reasoning behind it. I believe that what happened to me may be evidence of the existence of fraud against other consumers.
Product: Checking or savings account

I was text and called Plus emailed via chime from an XXXX XXXX requesting a payment for {$460.00} for a transaction reversal from my XXXX account for an pending transaction XX/XX/XXXX. I just opened my chime account and somehow they hacked my account. I am homeless and was in route an had gotten an earlier email or text stating there was a pending transaction from XXXX for an amount of {$950.00} and change. The caller claimed he was a XXXX rep and I would be requested to xfer the {$460.00} so he could reverse it. Being in a hurry and confused, I failed to check my XXXX account due to having too many applications open on my phone. I was duped into transferring the {$460.00} and when it went through via chime, the caller hung up. I requested the {$460.00} but it was denied of course. Then I texted the person back and was told to " XXXX XXXX XXXX ''. Chime refused to re-imburse me ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my personal credit report from Experian credit reporting and found out they were reporting 2 accounts from XXXX XXXX services that I did not recognized. I wrote the company on XX/XX/XXXX requesting verification as per the Fair Credit Reporting Act. They send a generic letter stating that they have verified the account that is mine. I wrote again on XX/XX/XXXX requesting proof of the verification to include a contract/agreement with my signature and all other information to verify the account is mine. They responded on XX/XX/XXXX with the same letter as the one I received on XX/XX/XXXX same respond that they have verified that the account is mine. They did not provide a proof of verification or anything to show that they verify the account. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/XXXX requesting proof and verification that the account is mine. They responded with statements for a company name XXXX XXXX XXXX. I send Ms XXXX another letter on XX/XX/XXXX letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law. I wrote Experian again on XX/XX/XXXX, included the letter and respond from XXXX. Letting them know that since XXXX has been unable to provide proof and verification of the account. If they the reporting agency are unable to provide proof and verification that the accounts should be removed from my personal credit file. They responded stating that they have responded to me before and will NOT respond or provide any verification. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Experian has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified and not mine. This bad reporting is causing severe hardship for me and my family and non of these companies involve is concern. This has affected my ability to get a job, to get credit, to send my son to school, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.