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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXXnquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, Chase froze my account when I tried to make a phone call to make sure my card doesn't get declined, because it always get declined. So when I ask the reasoning to why they closed my account, Chase couldn't give me a valid answer to why I couldn't use my card. Also, this isn't my first compliant on Chase to why they keep closing my account. Chase is targeting me because I am young. I am feeling very discriminated against that because I am young successful working guy.
Product: Credit reporting or other personal consumer reports

CFPB, XXXX XXXX XXXX XXXX XXXX, VA XXXX THIS IS NOT MY ADDRESS NEVER LIVED THERE ( FRAUD )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get remarks removed from all 3 credit bureaus XXXX XXXX  and Experian after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER XXXX. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Personal Information. Too many different names and addresses attached to my personal credit report.
Product: Debt collection

I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( C ) ( 4 ) ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

XXXX XXXX XXXX XXXX Is flagrantly disregarding consumer protection statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act convergent account # 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 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 have two XXXX XXXX  accounts XXXX and XXXX with Bank of America, no balance, unused in a long time. I moved, and I asked Bank of America numerous times to update my address, but the bank is so disorganized and incompetent that this was not done and they refused to make the change of address. Therefore, I want the accounts closed, Bank of America also then refused to close the accounts. I wrote a letter asking to close the accounts, the accounts were not closed. I contacted the service center via telephone, they refused to close the accounts. A total XXXX disaster of an institution.
Product: Mortgage

I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.
Product: Credit reporting or other personal consumer reports

I went into the branch and applied for a XXXX credit card with PNC Bank. I was declined for stated reasons that were untrue. I called the customer relations department to discuss my concerns, but they did not reconsider my grievance. I feel that I have been discriminated against.
Product: Debt collection

I received numerous emails and calls from TrueAccord. On XX/XX/2021, I replied to the email stating, " I don't consent to being contacted at all '' by the company, so no phone calls, text messages, or emails about the supposed debt. By XX/XX/2021, I received an additional six letters in the mail from TrueAccord despite asking them to not contact me or anyone I know. I reiterated this to them and clarified on this date that I would seek compensation for violation of my FDCPA rights if they continued contacting me. 

Today, XX/XX/2021, I received three additional text messages from TrueAccord, again trying to collect a debt that I've never even made aware of. ( Their messages just keep stating that they're trying to collect a debt but never told me who, how, why, etc )
Product: Debt collection

I was referred to XXXX XXXX through the VA 's XXXXXXXX XXXX XXXX ( XXXX ) program as a XXXX  % P & T XXXX veteran. Unfortunately, XXXX XXXX failed to perform the required services but did take x-ray images. Upon checkout, I confirmed with the receptionist that the bill would be handled through the VA contract, and I was reassured twice that the VA would be responsible for the invoice, as per XXXX XXXX agreement with the VA. 

Despite this, I began receiving invoices from XXXX XXXX. Attempts to contact XXXX XXXX were fruitless, as the phone number they provided never connects to a billing XXXX. On XXXX occasion, I received a random call from a XXXX XXXX representative who claimed I owed {$30.00} out of the {$150.00}, expecting the VA to cover the rest. I reminded them that the VA XXXX program had not been billed, and as per the contract, I am not supposed to pay out of pocket. The representative, instead of addressing the issue, hung up on me when the conversation became frustrating. 

Subsequently, I connected both the VA XXXX representative and a different XXXX XXXX representative, expecting a resolution. However, this issue remains unresolved. I have no intention of making any payment until I receive confirmation from the VA XXXX that XXXX XXXX has properly billed them and if there is any amount I am contractually obligated to pay. 

It is clear that XXXX XXXX is acting in a predatory manner, attempting to take advantage of a XXXX veteran, while failing to comply with its contractual obligations under the VA XXXX program. This behavior is unacceptable, and their business practices warrant serious scrutiny.
Product: Checking or savings account

I hold a CD which matures today, XXXX XX/XX/2021. I called the Wells Fargo number listed on the Maturity Notice today and asked that the funds be redeposited to my checking account. After several transfers of my call, I was told that the funds would not be available until XXXX XX/XX/2021. 

This is unacceptable use of the funds float without benefit to me by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( card services ) was placed XXXX hard inquires on my credit report for one credit  application. XXXX inquiry was made on XX/XX/XXXX and the XXXX XXXX was made five days later on XX/XX/XXXX. XXXX was not authorized to run my credit twice within a five day period for a single application. I would like XXXX or XXXX inquiries deleted from all three credit files.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a dispute claim with Bank Of america regarding fraudulent charges in the total amount of {$8600.00}. Literally 1 day after submitting my claim they sent out a letter stating they completed their review, denied my claim, and closed my claim. On XX/XX/XXXX I asked them to reopen my claim aftet recieving notices from Bank Of America stating that they were no longer using an automated filter to investigate or close claims of unauthorized transactions on the basis of concern that the account or the claim have been the subject of fraud or suspiscious activity. They also said the following your unauthorized transaction claim was previously closed because of concerns that the account or the claim have been the subject of fraud or suspicious activity and we have already reopened and begun to investigate your re-opened claim, we will complete our investigation and resolve the claim by XX/XX/XXXX ; and if we have not completed our investigation by XX/XX/XXXX, we will provisionally credit your account on or before XX/XX/XXXX for the amount alleged to be in error. 

It is now XXXX XXXX and my claim still has not been investigated or resolved. I contacted Bank Of america several times and was not given any information as to why my claim was not resolved yet and why I had not recieved provisional credit either. I recently contacted them again on XX/XX/XXXX and filed a complaint with them about my dispute claim. I was told I would recieve a call or letter or more information within the next few days and still I have not heard back from Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " Salary Finance ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - Salary Finance Inc Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " Salary Finance Inc '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX.XXXX  - My Driving License XXXX - My XX/XX/2021 Pay check PoliceReportXXXX  -> Police Complain Report filed by us FTC_IDTheftReportXXXX  -> FTC ID Theft Report XXXX.XXXX  -> XXXX  XXXX Report SalaryFinance_MailAndEmailCommunications.pdf XXXX Email Communication between Fraud person and Salary Finance SalaryFinance_LoanAgreement.pdf -> Salary Finance Loan Agreement SalaryFinance_FraudBankAccount.pdf -> Fraud Bank Account for Loan Proof SalaryFinance_DirectDeposit_ACHForm.pdf -> Fraud Person Direct Deposit ACH  form SalaryFinance_XXXX Fraud Claim_Closing.pdf - Salary finance closed the complaint that we raised XXXX_Letter.pdf - Letter sent to XXXX  to remove this entry
Product: Credit reporting or other personal consumer reports

I have filed an identity theft report concerning fraudulent accounts that continue to appear on my credit report. I have already notified TransUnion that these accounts are the result of fraud.
Product: Vehicle loan or lease

Received notice by email that, unless I responded, that I would be switched to paperless billing. I would never have received this. I just happened to check by junk email as I do periodically and caught this. 

This removed the consumers choice because they are slipping this choice under the door without announcing it. It could result in late fees damaged credit reports and other issues. It is unethical and immoral violating their own agreement to notify their customers in writing of changes to billing. 

It benefits only Chase and is misleading and a poor way to do business. It also takes advantage of customers. At a time when it would be very easy to get behind in your payments and be more difficult to catch up, this trend ( the second company Ive seen do this ) is dangerous ; it damages consumers choices and can damage our economy. Its foolhardy and inappropriate. It just stop.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX XXXX. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I received a phone call XX/XX/XXXX from Sherloq Financial, a debt collection agency, in reference to a medical debt of {$70.00} owed to XXXX XXXX XXXX. The debt was created in XX/XX/XXXX. The agent at Sherloq Financial stated that her notes showed that XXXX XXXX XXXX has been sending bills ( for over two years ) to an address I moved from in XX/XX/XXXX. The phone number on file is correct. My complaint is that they have been sending bills to the wrong address for over two years and never made any other attempts to contact me regarding the outstanding debt ( given they have had my correct phone number on file for this time ), and then forwarded my debt to a collections agency. This escalation was completely unnecessary given that XXXX could have simply called me by telephone to inquire about a change in address after not receiving any response from me for over two years.
Product: Checking or savings account

On XX/XX/XXXX I went to the branch location in King of XXXX, PA, to discuss why my bank statement was showing an interest rate of XXXX XXXX APY, while their current commercials advertised a rate of XXXX XXXX APY. The branch location representative called customer service to resolve the issue, and I was informed that I had a " XXXX Savings '' account, the only savings account offered back in XXXX when I initially opened my account. Now Capital One only offers " 360 XXXX Savings '' accounts to clients, which pays the XXXX XXXX APY. At no point was I ever informed of the existence of this new account and its superior interest, nor was I automatically rolled into the " 360 XXXX XXXX '' account. I have consistently maintained a balance of about $ XXXX, and, as such have missed out on thousands of dollars in interest. Their only solution is to now convert my savings account over to the " 360 XXXX XXXX '' account, where I can earn the interest going forward. Capital One has yet to give me a valid explanation for my concerns and refuses to resolve the interest discrepancy. As a client of that Capital One, I shouldn't have to shop around Capital One to ensure I'm receiving what is advertised. This is highly unethical of the bank.
Product: Debt collection

Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. 

These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Harley Davidson Financial Services still shows my account as a bad debt for collection with a balance of {$10000.00} although the account was included in my bankruptcy ( BK final XX/XX/2020 ). I have called into their customer service line XXXX separate times ( XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) to correct the reporting. They will temporarily fix the credit reporting and then the balance/collection will reappear months later on my XXXX, XXXX, and XXXX credit reports.
Product: Checking or savings account

Capital One - Changing the interest rate on my 360 savings account without being notified and changing the name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX