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

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) 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

Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.
Product: Bank account or service

I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money
Product: Credit card or prepaid card

On XX/XX/2020 I legally changed my last name. I submitted the needed documentation to Discover, and they have not done anything to update the information. They responded that I needed to submit the documentation in order to make the change, which I did in my subsequent correspondence. They are yet to update my name in their system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

When you call Chase Visa, there is a message that says they WILL use your voice recognition to verify. When I asked to be opted out and that i never gave my permission for voice recognition, it was extremely difficult. 
My voice is my personal identity and is NOT to be kept in their files to match. I should be asked for permission, not told it would happen and it should not take the below to opt out. 
The first person sent me to XXXX in XXXX Fl, he sent me to business tech side at XXXX, then i was sent to XXXX " a customer service specialist '', XXXX who was in XXXX for half and hour then an account supervisor. " XXXX from Texas '' I was on the phone with her for 40 minutes. 
XXXX was snarky and made a threat that she would have to hang up the phone if i did not give her permission to record, even though we had just discussed there were two recordings, one recording for the customer service process to assess how they are doing and can improve- i agreed to that as it is not AI matching my voice to a stored voice of mine in a database that i have no idea what protections i have to not be sold, etc. 
They do not have the right to record, store and/or use my voice for recognition. There are a gazillion less invasive, more private wasy to do this. HELP
Product: Checking or savings account

A Fraud claim opened, XX/XX/2022. XX/XX/XXXX XXXX called XXXX to close this fraud acct..XXXX  XXXX reported to credit bureau, FTC XXXX XXXX and .gov and personal accouts. XX/XX/XXXX letter from Bank of America, Research completed-Mailed affidavit back to bank of America to XXXX XXXX XXXX received statement from Bank of America in US mail.XXXX  XXXX XXXX gets notification from XXXX a new account activity from Bank of America. I called bank talked to ( Bank Rep. XXXX ) BofA, a new account was opened, it will be deleted in 10 days.XXXX  XXXX received statements in mail from Bank of America, ( now 3 accounts open ) XXXX XXXX XXXX gets notification from XXXX new account activity from Bank of America XXXX XX/XX/XXXX XXXX calls Bank of America XXXX XXXX XXXX Bank rep. Says they can not close accounts full for 90 days. XX/XX/XXXX XXXX gets notification from XXXX nem account activity from Bank of America. I call bank talk to ( XXXX XXXX ) Bank rep..a new account was opened XXXX requested again to close all accounts. XXXX starts new claim number. XX/XX/XXXX possible 4 accounts open in XXXX name? XXXX does not know? XX/XX/XXXX letter from bank of America, SecondAffidavit sent back to Bank of America XXXX XXXX XX/XX/XXXX Statements from Bank of America in US mail ( now 3-4 acct.s ) XXXX XXXX Bank of Americ rejects Affidavit XXXX XX/XX/XXXX XXXX travels to XXXX Kentucky to Bank of America to close accounts personally, provided Drivers Lic., SS card, PassPort, Elctr Bill & phone bill. Still not closing accounts. Bofa rep XXXX XXXX and MGR XXXX XXXX XXXX XXXX, working With Fraud Dept. they ran out of time, they will call me back. XXXX and XXXX XXXX called and left message..they never called back, Sent a Fax to XXXX BofA no response as of XX/XX/2022.
Product: Bank account or service

I opened a PNC Bank account 5 months ago with a promotional offer for a {$300.00} credit to my account after certain requirements were met. I did meet all of these requirements and still have not received this credit. I contacted PNC Bank and have spent over XXXX hours of my time on XXXX different phone calls with PNC Customer Service and on XXXX XXXX, 2015 I was advised that this credit would appear on my account on XXXX XXXX. It has been 20 days since then and the credit has not appeared. 

Additionally on XXXX XXXX, 2015 I confirmed with PNC Customer Service that all of the requirements were met for this promotion and that they even confirmed this with their " back-office retail escalation dept '' that everything was set and the credit would appear. 

I just this afternoon spend XXXX additional hours on the telephone with PNC Bank only to be told that they will file a " dispute '' and will get back to me in 30 days. 

This is ludicrous and upsetting that a large bank does not honor their commitments and I would appreciate the assistance of the CFPB to work with me to contact PNC Bank.
Product: Debt collection

To whom it may concern : Bank of America is reporting an " alleged account '' in the amount of {$1900.00}. 

This " alleged account '' has never been validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Product: Checking or savings account

Citibank frozen my checking account, investment account and is refusing to unfreeze it. 

We call several times different departments for 2 months without any solution or answer. We can not withdraw, move the money or operate in the financial market. Citibank is limiting access to my money and account. They can't even give an estimate for when they would be able to fix it
Product: Credit reporting or other personal consumer reports

New Jersey State Police XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear sir, I have decided to ask your kind to advise for answering the request of credit report company Equifax, which office is addressed Equifax Information Services LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have received two letters from same office prepared on XX/XX/XXXX. At first, I need to write down my personal situation. The FTC Identity Theft report was submitted for me on XX/XX/XXXX ( report # XXXX ) after the experiences of hacking of course works of XXXX XXXX XXXX, my business website, personal information online, insurance, and now banking information. I work with CFPB to solve the issues with the banks and insurance companies. I contacted with XXXX, XXXX, Equifax, XXXX, and XXXX XXXX With XXXX, somehow, because the envelop was sent from the district court in XXXX to submit the papers, I am on the position of versus, which I still can not understand why the envelop with the documents came and the aftermath of court. My account of XXXX is not able to open with some reason. Upon the request of explanation, the clerk of the district court told me to contact with the attorney. At that moment, in my mind, the attorney was meant attorney ( of General ) not regular lawyer. Therefore, I just sent the first envelop to the office of the New Jersey Attorney General. Still, I continue to send the envelopes. 
One of two letters of Equifax written on XX/XX/XXXX of XXXX asked the same request to submit the documents of identification. Honestly, since the situation was mess around the Identity Theft report was created, I did not trust any offices related with confusion ; therefore, I contacted only the headquarters. Whenever the offices of Equifax, XXXX, and XXXX asked the identification, I answered to their headquarters. In case of Equifax, I answered to its headquarter addressed Equifax XXXX, XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX. 
The second letter requested me to go to the website of FTC.gov and file to get a new ID theft report. Since I have already on fraud alert with several credit report companies with current ID, the request of Equifax does not make sense at all. And this office employee asked me to file to get a police report, which I have not asked before. Honestly, I am tired with these requests from the credit report companies, and I am already tired by one incident, which I received a XXXX harassing item by mail and brought it to the local police station in XXXX XXXX, NJ. Then, after seeing the item of this XXXX harassing item, the police asked me to report the federal organization ; therefore, simply I do not rely on it. And still, I am in the shock of seeking suspicious documents regarding on my banking, I do not want to talk directly at this moment. I just want to submit the copy of this Equifax agency letter and ask your organization what I should do next. At least, I can say I reported everything FTC, CFPB, and other federal organizations. Also, I try to submit the letters on these matters one by one to the office of New Jersey Attorney General. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has moved a negative item to experian and this has been removed?
Product: Mortgage

we have been providing documents for a loan modification since XX/XX/XXXX thruXX/XX/XXXXphh has accepted a completed packet and now wants more documents they are now saying that we are out of time we have now hired an laywer to help with the conflicting stories from phh and we still have been put in the que to speak with our actual relationship manager on XX/XX/XXXX who we have not been able to speak with since XX/XX/XXXX to reveiw the documents they say are now outdated
Product: Credit card

I went to a local Macys store where the cashier asked me if Im interested in receiving a discount on the day of my purchase and I said yes. However, I was not notified that this was a credit card application and she would therefore be running my credit. I called after I received the card and Macys asked me to pay the balance which I did because I was not aware that you are not supposed to pay the balance when disputing which was also misleading as I had originally expressed that this was opened without consent of running my credit. Now I am disputing the card on my credit report with the 3 bureaus and they are not removing this off of my account. They are marking it consumer request closed. According to my credit report, you can clearly see I dont have any retail store credit cards and I would never want them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted XXXX agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally XXXX XXXX XXXX and who knows how much they suffering from their XXXX activities, which is called in the criminal driven market kids for cash. XXXX created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from XXXX custody is a piece of cake for him, later as we found out, he was giving courses to XXXX XXXX XXXX XXXX XXXX,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXXXXXX account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my XXXX account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Product: Mortgage

On, XXXX XXXX, 2016 we were denied a Loan Modification by Wells Fargo because they say our income is inadequate ..., we qualified for the loan mod process because of the unemployment criteria ; I have been unemployed since XXXX XXXX ' and I am in school with XXXX XXXX program, funds of {$7500.00} while I am in school ... even tho it is n't required by XXXX XXXX XXXX, I have been steadily looking for work and interviewing. Its seems peculiar to offer loan mods to people on unemployment and still expect them to achieve a debt ratio of 38 % -what is the point- that 's what a conforming refi requires ... I requested Wells Fargo to please provide more transparency regarding the specific criteria, rules & guidelines that our " investor '' has outlined- they said they need to research this ... ''. I am concerned that Wells Fargo is stalling and does not want to provide this data to us, and we were denied the loan mod because they do not want to lower our interest rate. Their " underwriters '' were privy to he Investor guidelines in order to deny us so, why not be transparent.
Product: Credit card or prepaid card

In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. 
I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. 
I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. 
It is because of that, that I refuse to do business with discover. 

In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. 

If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. 

They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? 
SO, I denounce discover for theft, and they owe me {$260.00}. 
Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX CO, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for XXXX  XXXX 's License and twice thru background check I have a contempt of court show up that happened 15+ years ago thru previous divorce.How long does this stay on record? Bankruptcy comes off in 7 years WHY does a contempt of court b/c of bad marriage stay on for a life time?? Any help would be greatly appreciated Thank you God Bless XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding what appears to be an unauthorized pull of my credit report by XXXX. I recently became aware that XXXX has accessed my credit information without my explicit authorization, and I am deeply troubled by this violation of my privacy rights. 

I have not provided any consent or authorization for XXXX to review my credit report. Despite this, it has come to my attention that they have undertaken such an action, which I believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

This unauthorized access raises significant concerns about the security and confidentiality of my personal and financial information. I am formally requesting the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter. I seek clarification on how and why XXXX accessed my credit report without proper authorization. 

To assist with your investigation, I am providing the following details : Date of Unauthorized Access : XX/XX/ Details of the Unauthorized Inquiry : See Attached I am confident that the CFPB will diligently investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. Additionally, I request that XXXX be held accountable for any violations identified during the investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of the progress of the investigation and any actions taken. 

Thank you for your commitment to consumer protection.