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

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I closed my Barclay bank credit card in XXXX because of financial issues due to hurricane XXXX. ( I wasn't able to make the minimum payments at that time ) They sent the bill to XXXX XXXX collections and I paid the collections account. Barclay now says I owe over XXXX $ and reported to all 3 credit bureaus that I am late since XX/XX/XXXX when they stopped reporting in XXXX and the account was closed. I filed a dispute to get that off my credit reports with the receipt of payment from XXXX funding and Barclay won't stop. I paid {$1300.00} to XXXX funding on behalf of Barclay and they won't stop making false claims, this is hindering me getting a better job. I keep disputing it and Barclay reports I owe more money on my credit report. I don't have any other recourse then to file a complaint with the CFPB. I have the receipt that shows I paid what was agreed upon over 3 years ago now. The account has been closed since XXXX. I would like to file a formal complaint under FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 807. False or misleading representations and 809. Validation of debts.
Product: Checking or savings account

I authorized payment to XXXX on XX/XX/XXXX for a total of {$11.00}. By the following day there was two charges from XXXX equaling {$220.00}. I immediately contacted my credit union. They put in a fraud claim and gave a temporary credit for {$220.00} on the same day and said that those charges would be investigated. The claim was denied for that. I also called XXXX and notified them on the same day. According to XXXX, the only charge they made is the one that I authorized. On XX/XX/XXXX, XXXX had charged over {$1600.00}. Totally depleting my bank account. Also, there was a charge of charge of {$11.00} from XXXX XXXX XXXX. I called that number. and It is some kind of electric company that I have never heard of. I called my credit union back. They put in a claim for that along with the other amounts from XXXX. I had a total of three claims. All three got denied. The credit that they gave me they are taking it back. All I got for the explanation was a generic letter. XXXX thinks that they were spoofed or someone used my debit card and ordered things from XXXX. My credit union is refusing to give me any refunds. They have denied all claims. That money got stolen from me. My card was compromised. I have to pay bills.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Equifax credit bureau 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit and required documents for the 4th time on XX/XX/2024, and filing prior CFPB complaints ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reinstated fraudulent accounts without providing a valid reason. Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint. I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.
Product: Debt collection

On XX/XX/19 at XXXX XXXX, I called Midland Credit to discussed a Hardship with my XXXX XXXX card. The women that I spoke to asked me why was I delinquent on my account. I informed her that due to my husband having a XXXX, I had to take early retirement Social Security to take care of him and had very little income.she stated that she couldnt help me because my account was with a law firm and than went on to ask me personal questions about my husband and myself! She questioned my ability on why I couldnt continue making payments and belittling me. I expressed to her that she was asking me personal information and it was inappropriate. I asked to speak to her manager and she was the same way!
Product: Checking or savings account

I deposited a check on a weekend and received a confirmation email. This is my first time depositing a check in this account and using mobile deposit. The following business day, Monday, I could not access or see my checking account. Tuesday I received an email stating that my account has been locked. The number I was given to correct the issue was the wrong number. I was put on hold and transferred several times and hung up on. Finally I was transferred to I.T and was told I had to link my debit and credit card account to view, even though I didnt have to do that before and did not want to link accounts. Once my accounts were linked I found out that my money would be released to me in increments even though I had more than triple the amount of the check in my account.
Product: Checking or savings account

I am writing this email after having been released from XXXX XXXX due to Bank of America 's ( BofA ) hostile act of retaliation and XXXX  abuse. I will also note that I am XXXX XXXX who served his country and a XXXX citizen surviving day to day due to BofA hostile acts of aggression. Please bare with me as I am struggling to write this XXXX 

On XX/XX/2022 in an email to BofA, I endured XXXX threats, XXXX discrimination and XXXX abuse from members of BofA. I specifically indicated, " 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 '' This fate has come true. 

On Friday, XX/XX/2022, I went to Bank of America, ( like I have for more than XXXX years as loyal and, preferred customer due to my strong assets ), and was informed that my business and personal accounts and savings accounts had been closed and was not permitted to remove assets because my accounts were frozen and seized by BofA. It also became clear that all the checks that I wrote to pay bills and pay my XXXX insurance and prescription for my medical problems and mortgage will be in default and declined and cause me severe health and financial damages. Furthermore, since I can not use my credit cards that were also closed and can not withdraw money because my debt cards were closed, I can not pay for my prescriptions for medical problems and quite possibly could fall ill and die. I will also inform family members, Department of Justice and XXXX XXXX Police Department so if I am found dead, they will know that members of BofA were responsible for my death. 

I called BofA and spoke with XXXX, supervisor, in a consented taped recorded conversation. XXXX confirmed that my accounts were frozen and seized by BofA and not permitted to withdraw assets as they now belong to BofA. She further confirmed that I was never notified in which I asked repeatedly why wasn't I notified in order to be given time to move my assets and time to go elsewhere to re-open a business account. I repeatedly asked XXXX why my accounts were closed and seized and she indicated BofA doesn't need to provide an explanation and can close and seize accounts according to the provision in my agreement. I asked her where was this written and she declined to explain. 

BofA has destroyed my life, my health and my business as I can not operate without assets or a checking account.
Product: Checking or savings account

Someone stole my identity and used fake ID cards withdrew cash from Chase Bank cashiers, which were {$1000.00} from my checking account and {$1000.00} from my savings account on XX/XX/XXXX, {$800.00} from checking on XXXX XXXX, and {$300.00} from saving on XX/XX/XXXX. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had been working at company from XXXX XXXX  to XXXX XXXX. I did not go to Chase Bank or withdraw money on that day. My company can certify my working schedule. I don't know who used my identity to withdraw money. I never lost my driver 's license, bank cards or other ID cards. I realized my money was stolen when I checked my Chase APP on phone. I went to Chase bank branch. The employees checked surveillance camera, and then told me someone withdrew cash from cashiers. 

I want to file a claim, get back my {$1800.00} from savings account and {$1300.00} from checking account. I have attached police report and my working proof. 

These are the 4 police report case numbers : XXXX.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXmy has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. + 15 USC 1666B : A creditor may no
t treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Please refer to the enclosed dispute letter originally dispatched to your office in XX/XX/2023, which is dated, and time stamped for your convenience. I am requesting the removal of the accounts outlined in the aforementioned dispute letter on the grounds of both FCRA violations and negligence on your part. Of particular concern is the inclusion of the collection account XXXX XXXX XXXX. It has come to my attention that this account has been successfully expunged from my XXXX credit report due to inaccuracies in its reporting. Therefore, I find it perplexing that this account continues to be reported by your agency. It is crucial to emphasize that an adequate investigation was not conducted initially, resulting in these inaccuracies persisting. It is well within my knowledge that each violation under the FCRA carries a maximum penalty of {$1000.00}. I wish to convey that should the need arise to pursue this matter in small claims court, I would be seeking the maximum penalty for each violation. At this time, I am solely requesting the immediate removal of the unverified accounts, with a specific focus on the account held by XXXX XXXX. This request is grounded in the fact that this account has undergone investigation and been officially expunged from my XXXX credit report. I have attached documentation showcasing the presence of these unauthorized and unverified accounts for your reference.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found hard inquiries that do not belong to me. This is not accurate reporting.
Product: Checking or savings account

I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. 

Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. 

Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
Product: Credit card or prepaid card

The company, Discover wanted me to release to them a copy of my tax file. I told them they are not prevy to my tax records as they are not my tax man nor IRS. There credit limit was only XXXX so they got made and closed the account..they kept asking me to activate the card but I never did..they approve the credit account sent me a credit card then after the fact they begin there invistigation. All the time sending me email to activate the account which I never did. I consider this action on their part questionable business practices.
Product: Mortgage

I feel like because the interest rates are sky high now, as a normal class hard working family its unfair how the banks are taking advantage of us with the interest fees and all. 
My HELOC l, because its not on a fixed rate plan it fluctuates according to the federal interest rate. My payments have doubled and I am not even paying the capital. 
So banks are making money while we are loosing our homes. 
How fair is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from XXXXXX/XX/XXXX and XXXX XXXX stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from XXXXXX/XX/XXXX and XXXX to identify the correspondence. I called XXXXXX/XX/XXXXon XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$4000.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX. XXXX XXXX : {$8800.00}
Product: Credit card or prepaid card

a payment was made on XX/XX/2022 ( due date XX/XX/2022 ). Later that evening I received an email asking to bring my account up to date as if it was behind. I checked my online credit card account and noticed the payment made on XX/XX/2022 was processing. When I spoke to customer service I was made aware that a .ate fee had already been assessed although my payment due date is 3 weeks in the future. 
This type of error makes me very scared of how my personal information and banking information is being handled and sis why I come here today to make you aware of this. I can only imagine all the other coinsurers not noticing they are being charged unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with transunion and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact XXXX  regarding the issue and they said they couldn't help me with credit reporting issues.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 
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 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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: Checking or savings account

At the end of XX/XX/XXXX I moved from XXXX PA to XXXX NY. I set up mail forwarding but because of this there is a delay in mail that is sent to my old address. On XX/XX/XXXX I received a letter that had gone to my former address in XXXX from Bank of XXXX about my account. I have never had an account with Bank of America. I went to the website and tried forgot my username/password and found that while the address was my former address and the social security number was mine, the phone number associated with the account was not mine. I did not even live at the address used when the account was opened. I called Bank of America and filed a claim against the account. Since then I have continued to receive bank statements for an account that is open in my name. I have called Bank of America numerous times to try to get updates and a timeline for when this account will be closed. They will not provide any updates or information. They have not provided any assistance in regard to identity theft protection. When I asked how it was possible for someone to open an account in my name without verification of identity they said " you could open an account right now over the phone if you wanted without any verification. '' This seems like a pretty bad system and I simply want this issue resolved so I don't have to spend additional hours of my life on hold with Bank of America for absolutely no reason.
Product: Debt collection

On XX/XX/XXXX I communicated with two different agents at the XXXX XXXX XXXX collection agency about a prior XXXX account. I called to inquire about the date that they are reporting my account was opened. According to my XXXX credit report, they are reporting that this account was opened XX/XX/XXXX. This account was opened in XXXX and did not enter delinquency until XXXX. This is considered " re-aging '' and not only violates federal law, but it goes against the Fair Credit Reporting Act. When I spoke to the female agent she said that I was wrong and it did not go against FCRA. I let them know that I was calling to report the error and if it is not corrected I will be contacting an attorney.
Product: Debt collection

I was contacted by a XXXX from Sentry Recovery stating that I am to pay a balance of {$6400.00} for a file that has been placed in the office by a company called XXXX XXXX XXXX. I made XXXX aware that I am a victim of identity theft, the account was fraudulently opened in my name and doesn't belong to me. XXXX provided me the information of XXXX XXXX XXXX. I contacted the company and so far 'been able to reach a solution. I would like all fraudulent account removed from my credit profile immediately.
Product: Credit card

Someone is using my SSN to open up store credit cards. First one was with Macy 's now a Home Depot card was opend up in my name. I received infomration today stating my new card arrived, it was not me and they already purchased {$860.00} worth of stuff from Home Depot.