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

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services IncXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I advised the XXXX credit reporting agencies XXXX XXXX AND EQUIFAX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.
Product: Credit card or prepaid card

2 transactions XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total XXXX XXXX was deposited to cash app account After XXXX was left Literally 5 mins after money was In my account But I have had money in my account before and this hasnt happened and these are old transactions that they are waiting for you to have enough money to take I have Screenshots of text messages sent but no transaction showing on the app XXXX said they were told it was a system issue and to have us call cash app but no one will help you get a generic answer saying someone will contact you in 10 days, And that you should know something before 45 days only to be denied a refund there is no manager to talk to only an email Multiple people have been saying this happened to them so they are aware of the issue for months to my knowledge there was no email sent out or social media post made about a system issue so how could anyone know what is going on
Product: Checking or savings account

On XX/XX/XXXX I filed a claim for XXXX that was taken via cashapp from my ex boyfriend who stole all my property which I filed a police report for and canceled and blocked all cards involved I provided the police report number and I have verifications of all my interactions and responses with the bank as well as my other accounts involved.I have several third party witnesses that have witnessed The Bank of America constantly discriminating and unprofessionally, negligently, and without any empathy or understanding of the situaion at hand and nothing is documented on their end.
Product: Checking or savings account

So I opened my checking account with Union Bank on XXXX the middle of the year I start using my card and I was paying a lot of fees for not having enough funds on my account so they give me the option to get withdrawal protection of paying {$33.00} a month and the amount that I spend I didn't notice that I was paying more than {$2000.00} a month of when I try to get a refund Union Bank never replied to me now it cost XXXX XXXX I try to open a loan with XXXXXXXX XXXX  and automatic they send me a check of {$800.00} I go to the bank I told the guy on the bank that it's more than XXXX what they owe me and he told me you're lucky they give you that amount because they only give you 3 months behind I don't think it's fair that they don't want to refund me the money I was with them since XXXX into 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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.
Product: Mortgage

I have a home loan through Lakeview loan servicing llc and  make monthly payments on this mortgage of a little over {$1000.00} each month. Over {$300.00} are taken out each month for an escrow account ( property taxes and insurance ). The property taxes on this property were due before XX/XX/XXXX. Lakeview has failed to pay them. I have contacted Lakeview loan servicing llc 9 times since XX/XX/XXXX and spent countless hours on hold to get the run around and absolutely no where with them. Here we are 2 delinquent notices later ( XX/XX/XXXX ) and they have not paid property taxes out of escrow. They have told me multiple times on the phone that they would get them paid in 3 business days but they have failed to do so. In XXXX I faxed them the first delinquent notice with a letter and cover letter after they had requested me to do so. They still failed to pay it once they recieved it. They are taking my money each month and are failing to do their job and pay my property taxes in a timely manner. Attached are the documents I faxed them. 

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

Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.
Product: Debt collection

XXXX is saying they verified the debts id like to see the description of procedures - this debt is not accurate
Product: Checking or savings account

This is a compliant filed against Chase Bank. Chase closed my account and hold my fund due a cleared/ funded check from XXXX. 

On XX/XX/XXXX, my friend issue a Check, amount {$21000.00} from XXXX. 

Around XX/XX/XXXX, I deposited into my Chase bank, and Chase on hold this Check ( Normal process ). 

On XXXX XXXX, the check cleared, the issuer from XXXX releases the fund, and XXXX receives the full fund. 

On XXXX XXXX, Chase closed my account, reason is unable to verify this check with the issuer.

The issuer doesn't have Chase account, and I provide his phone number to Chase, which was used to register in his XXXX account, but Chase said phone number unable to verify, that Chase can not call this number. 

Then Chase let issuer contact XXXX, to file a fraud cliam to recall this money back and make a statement said this is a valid check not a fraud, then pay me in another way ( wire ), but this is a vaild tranciation, issuer unable to file a fraud cliam in XXXX. In the same time, XXXX already verified check and released the fund, Chase has no reason to hold itXXXX XXXX can send a fund verification letter by fax to Chase, but Chase does not accept it. 

On XXXX XXXX, Chase closed my account without period notice, and still on hold this cleared check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX  FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the Equifax data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit card

I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

This is my second time putting in complaint for this consumer reporting agency. As You Know The FCRA has violated my rights to privacy once again and confidentiality under 15 USC 1681. By Law under FCRA Consumer reporting agency are REQUIRED to have properly verified the accuracy of an account listed on my credit report. Experian have ignored my request to provide me with documents that have in their files that is used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

It also states in 15 Us 1681 Section 4 That consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXXXXXX XXXXXXXXhas violated my rights as a consumer. 
XXXX XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXX has violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am disputing a hard inquiry on my credit report initiated by XXXX XXXX, CAP ONE AF, and XXXX  which occurred on XX/XX/XXXX24. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX XXXX, CAP ONE AF, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes. 
The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Debt collection

I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.
Product: Credit reporting or other personal consumer reports

On my credit report is a lot of inaccurate information such as names, addresses, and employment and inquiries. 


XXXX, Equifax, XXXX Subject : Dispute of Inaccurate Information and Inquiries on Credit Report I am writing to formally dispute inaccurate information and unauthorized inquiries reported by your company on my credit report. Specifically, the following items are incorrect : 1. My name is not XXXX XXXX. This is inaccurate 2. XXXX XXXX XXXX XXXX Louisiana is not my address. XXXX These items are inaccurate and misleading. I kindly request that you investigate this matter and correct or remove the incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing once these inaccuracies have been corrected. Attached are copies of my credit report and any supporting documentation relevant to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I received a letter from Credit Collection Services dated XX/XX/year>, stating I owed a debt to XXXX XXXX for {$300.00} and that I had until XX/XX/year>, to respond to the letter. I sent a response on XX/XX/year>, that disputed the debt based on my bank statements and asked for their records in order to see how the debt was derived. I received no further information from the company to show that I owed the debt, but I received another letter saying the debt was being sent to collections on XX/XX/year>. I have since filed a complaint with the XXXX against Credit Collection Services and received no response from that. 

I also filed a complaint against XXXX XXXX with the XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX for not applying my payment in a timely or accurate manner, canceling my policy, using payments intended for XXXX insurance policy to pay for another, and then sending a payment I already made to collections.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXXPlease provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX
Product: Credit card

To date, I have received notice from PayPal 's consumer credit services that they are implementing a {$1.00} per month junk fee to provide paper bills to customers. This fee has not yet posted to my next billing cycle ; however, given the power that credit service providers have over credit reporting, and the control they have over the access to and format of electronic billing, customers should be entitled to receive paper bills as a consumer protection without being charged a fee.

I am submitting this complaint in part for the practice itself as far as PayPal is concerned but additionally as this action comes right before the FTC ruling regarding prohibition of junk fees so that the information might potentially be included in that decision making process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Accounts, 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 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 card or prepaid card

I applied for a credit card at BOA and was denied an unsecured card. So once the denial letter came in the mail I applied for a {$300.00} secured card in the mail. However, my biological mother and grandmother had an checking account opened at BOA in my name that I was unaware of in XXXX. I was then sent a letter with a pin number selected for me and that the card would come in a separate letter. The card never came in the mail. I also never received the card ending in XXXX. I reported card lost or stolen. Then I was sent a new card with a new account number ending in XXXX. This card was then detected for possible fraud after an XXXX XXXX XXXX installations with XXXX when my step father XXXX box got installed in my apartment and registered to my name and new cable account since I had used that credit card to open the account on XX/XX/XXXX. This XXXX account was immediately compromised and multiple people had added themselves to this cable account that was used to get access to different bank accounts. After I closed cable service in XX/XX/XXXX with XXXX those cable boxes in my name somehow went into circulation and these individuals keep access my bank accounts this way to transfer money. BOA then told me because they detected fraud on my card in XXXX they closed the account and opened a new account ending in XXXX and mailed me a new card. I later received second hand information that the first XXXX accounts mentioned where still active and different individuals were using XXXX to make purchases to embezzle money out of the accounts that I though were closed to get access to a trust that I was unaware of that I had. I closed the account ending in XXXX once I paid off balance. The last statement I received was in XX/XX/XXXX. I had also used this card as a bill and proof of residence when I applied for XXXX XXXX Assistance to cover a doctor visit at the hospital. However, I order to apply for this assistance it states that you give XXXX permission to hold any settlement money due to you to cover your doctor bills if you should be expecting a money in the near future. This card was then fraudulently kept on file to get access to bank account and multiple medical professionals created fraudulent records and documents to bill out for medical treatment I was never there for nor had I consented to the treatments. The XXXX FBI noticed this fraud in the account and billing at XXXX XXXX XXXX. Again all of these above accounts should be closed. These accounts are tied to an XXXX report with ATT # XXXX and FCC # XXXX. It also affected my bank account at XXXX. See CFPB # XXXX for XXXX. The other telecommunication companies that I have been affected with these accounts are also listed below for reference : FCC XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX FCC XXXX XXXX # XXXX FCC XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX FCC XXXX # XXXX XXXX XXXX # XXXX FCC XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX CFPB BOA XXXX and XXXX # XXXX