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

To whom it may concern, XXXX XXXX Experian XXXX XXXX Case # XXXX & XXXX As a consumer my rights have been violated by XXXX & Experian per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX XXXX  furnished this information. However, I have a letter stating that " XXXX XXXX XXXX XXXX XXXX does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by XXXX, Experian, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,
Product: Credit card or prepaid card

Unauthorized charge of XXXX on a PayPal debit Card.
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 : 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 XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name XXXX XXXXDOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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: Prepaid card

Card declines everywhere, even though I know the amount I am trying to spend is less than the balance, and that I am using it correctly. I tried to fix this to no avail.
Product: Credit card

Consistently, I've made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i called Transunion to get all information regarding hard inquiries, so i can match with what i see on a 3rd party app ( XXXX XXXX ), and was told by a supervisor/Representative that i do not have access to any online portals or information over the phone due to multiple social security numbers, names, and addresses tied to my credit file. I have updated this credit bureau numerous times in XXXX, XX/XX/XXXX, and XX/XX/XXXX pf my correct information and still nothing has been removed/changed. I have also sent in proof that is also on a CFPB complaint under my account as well of all correct identity information. Im unable to access online portals directly with transunion due to this matter, and would like this to be resolved immediately within 24-48hrs from todays complaint. 

Also, there are XXXX Hard inquiries attached to my credit report that i can see from third party site ( XXXX XXXX ) that i want removed immediately as i have not applied for any of the credit listed, and i have not given anyone permission to submit credit checks on my behalf. I would like the hard inquries removed immediately as well within XXXX as per FCRA guidelines for inaccurate information is illegal to be used against me, and to remain on my accounts. Listed below are the hard inquries im requesting removal of as well as correction to my name, address, email address, phone number, date of birth should be updated as well. 

XXXX XXXX XXXX XXXXXXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX, XXXX XXXX For- reported on XXXX XXXX XXXX bank- reported on XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX, XXXX XXXXXXXX XXXX XXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXXXXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX
Product: Credit card or prepaid card

i was rushing to get a outfit for a business meet from clothing store named XXXX i thought i activated my business credit card, so it flag the system i try to call them to let them know that i try to make that purchase now my account been frozen for a month now i cant get ahold of anyone.
Product: Credit card or prepaid card

So I have a BofA Cash reward card and a Travel reward card, had them for couple years now. On XX/XX/2022, I find out my accounts were closed. No reason given, CSR wasn't able to provide me anything but a phone number to Credit dept who's voice mail basically tells me to go XXXX off. 

The problem is, I had over {$60.00} in cash rewards and XXXX points and I requested to the CSR to please credit and send them to me as I still have a checking account open with BofA, just like they what they did after BofA closed another credit card of mine 2 years ago. Unfortunately they can't because of how my account was closed. My account had a XXXX balance when they closed it, similar to my account that was closed 2 years ago. 

So as you can see I feel a bit XXXX off now. Scammed to say the least. 

Anyone know how I can get my cash back given back to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EQUIFAX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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  EQUIFAX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EQUIFAX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EQUIFAX HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EQUIFAX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EQUIFAX XXXX FILE NUMBER XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMS TO AUDIT CONSUMERS ACCOUNT. EQUIFAX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Checking or savings account

This is my second complaint against Chase. This is not a duplicative complaint. My first complaint was regarding depositing a valid state government check from EDD, and Chase egregiously placed a two week hold on my funds. My valid state check is unemployment insurance that I am legally entitled. There was absolutely no reason to place a two week hold on a valid state check. I was then instructed by Chase to call the Hold Department. I was on hold for over three hours and never got to an agent. I attached a screenshot of the excessive hold time as supporting documentation for my first complaint. Two weeks later, Chase removed the hold and I received my funds. For my second complaint, I then deposited more checks from the same issuer : the state of California. Chase again, placed a two week hold on my funds. Why is Chase placing another two week hold on a valid check from the same issuer previously deposited and cleared? I have no history of bouncing checks. I am now going to leave a negative review against Chase on XXXX and XXXX reviews. If I had known in advance that Chase would place a two week hold on a valid government check, I would have never deposited my checks. I would have taken my business elsewhere. To do this to a customer during a deadly pandemic is incomprehensible.
Product: Credit card or prepaid card

On XX/XX/XXXX, I took a balance transfer offer on my Bank of America Master Card and did a balance transfer for {$12000.00}, by paying the balance transfer offer fee that came to {$360.00}. I set up auto-pay to pay the monthly due. 

In early XXXX the Covid Epidemic hit the world. I am an XX/XX/XXXXworking for the beauty industry and lost my income due to social distancing rules as all Salons were ordered to close. Our only source of income was left to my XXXX-year-old husband who was bedridden last year with XX/XX/XXXX XXXX XXXX, XXXX, XXXX, and a XX/XX/XXXX Since his condition kept on going down, I was extremely busy with taking care of him and taking him to the hospital almost every day for infusions besides frequent trips to the ER as he was vomiting blood. Despite going through the above torture, my husband took care of his clients from the ER as well as from home so that we do not end up on the road with no income. 

Being so involved with managing the household, and my sick husband, I totally forgot about the balance transfer offer as all was set on autopay. 

Come XXXX my husband 's condition got better and I started catching up on the accounting. Upon checking the Bank of America Mastercard statements, I was shocked to see that starting from XXXX of XXXX I was being slapped almost {$200.00} interest every month on a {$10.00} grand balance. I called up Bank of America and explained to them the situation and made them aware that I never received any communication from the Credit Card department that my balance transfer offer expired in XXXX of XXXX and I need to pay it off. I tried to work with the Bank of America rep to reduce the interest since I have excellent credit but they told me flatly that we will not reduce even a penny. 

I strongly believe that I have been duped by Bank of America and taken for a ride as it should be their responsibility to let the consumer know 30 days prior to the offer expires to make arrangements to pay the balance off so that they are not charged 20 % interest in the name of Cash Advance. When I had already paid an upfront fee of {$360.00} that should have covered the Cash advance feature. Moreover, laws should be made that on every statement the date the balance transfer offer ends need to be mentioned, a text or email needs to be generated 30 days prior to the expiration of the offer making the consumer aware. 

The Bank of America rep had no compassion whatsoever and made no genuine effort to resolve this in any way. When I asked for a supervisor, I was told that the supervisor is not going to help me in any way, at this point, I gave up as it was no use wasting my time.
Product: Money transfer, virtual currency, or money service

I lost a money order of {$270.00}. I first contact Western Union and they ask that I mail in my original receipt. On the XXXX of XXXX I mailed my receipt, the required {$25.00} for the process of my lost money order. It has been more than two weeks and I have not heard from this people. My money order receipt and {$25.00} processing fee was send to them by U.S Postal Certified Mail # XXXX XXXX XXXX XXXX XXXX. This certified mail was delivered to them on the XXXX of XXXX, 2020.
Product: Debt collection

I found a lien against my house when I did a property search on XXXX last night. I have no knowledge of this lien and had no knowledge of this debt either. The lien was filed in 2018 in the amount of almost XXXX. When I was younger I was very irresponsible with my credit, i didn't pay my bills or credit cards, along with medical bills, they all went unpaid. If this lien has incurred from those debts, I'd assume this is illegal since I've had no notice of this debt in over a decade. No phone calls or letters, no knowledge of a court date. According to ORS XXXX the lien was supposed to be perfected which includes a statement of demand, which I never received. 
I believe ray Klein inc is guilty of violating ORS XXXX of false swearing because the court records for this lien mention the owner of the debt being notified or having knowledge and under the comments the only thing it says is " personal. '' What does that even mean? Someone from ray Klein inc claims they personally notified me of the debt or court notice? I can only guess what any of it means since I wasn't notified nor was I there to defend myself. 
Also in oregon the statue of limitations for debt is SIX YEARS. again I have no knowledge of this debt but I would love to see proof of this debt being as recent as six years ago because I highly doubt that. If this debt is a medical bill which ray Klein inc is known for collecting debt for ( providnece ) then ray Klein inc is guilty of violating ORS XXXX Q- attempts to collect any debt that the collector knows, or after exercising reasonable diligence would know, arises from medical expenses that qualify for reimbursement under the oregon health plan or under XXXX. I have been insured through XXXX for the last six years and it is not possible for me to have any medical debt that has not been paid. 
Another violation.. ORS XXXX files legal action to collect or files a legal action to collect a debt if the debt collector knows, or after exercising reasonable diligence would know that the statue of limitations bars the collection I could go on and on for all the violations this company is guilty of since there are so many laws to protect consumers for this very reason, for businesses like ray Klein inc . I plan to sue this company and hopefully they will be known for the fraud, falsifying, lying dirty rats they are.
Product: Debt collection

I received a voicemail from Collections Bureau of America ( CBA ) stating that I owed {$120.00} on an account with XXXX. This was the first time I was informed of any outstanding balance. 

Following the voicemail, I contacted the agent on the voicemail who hung up on me. I called XXXX directly to inquire about the debt. XXXX confirmed that my account had been sent to collections. 

I then called CBA to request a debt validation letter and any written details about the debt, as I had not received any prior notification from either XXXX  or CBA. 
Each time I attempted to discuss the matter, CBA hung up on me. Despite multiple calls from different phone numbers, CBA has consistently refused to provide a validation letter or any written notice of the debt. This lack of transparency has raised concerns about the legitimacy of their claims. 

I am concerned that this issue, if unresolved, may impact my credit score. I have a strong credit history and handle my accounts responsibly. I am attaching the voicemai transcript left by CBA as evidence of their initial contact. Since then, they have not reached out to me further. It is I that have been trying to get to the bottom of this. Ive also attached in the documentation of the last bill received from primo water, and proof that I submitted the payment. They are both screenshots of the emails. I received from them the last ones. 
If you look in the attachment directly from XXXX XXXX  you will see my account number and all the pertinent information. This was the last correspondence I ever received from them until I received the voicemail from the collections department with the phone number.
Product: Credit card or prepaid card

15 USC 1601 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions 's identity Theft Affidavit. Please delete the items as soon as possible, otherwise I will be suing.
Product: Credit reporting

I do not know who opened the profile for me, and the hospital 's I went to said that they would not charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to TARGET XXXX. Thanks!
Product: Credit card or prepaid card

I was charged multiple times by XXXX XXXX for flights I did not take. The transactions took place on XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XXXX for {$160.00}, XX/XX/22 for {$160.00} totaling {$710.00}. I disputed every single one of these charges a total of three times between XXXX and now. I submitted over 10 pieces of documentation that these charges were not mine and I immediately tried to cancel them. I can even show proof of my location to show I was not traveling. Discover repeatedly sided with XXXX on these charges even after I sent proof and spoke to them multiple times over the phone.
Product: Debt collection

This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017. 
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims. 
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices. 
Thank you.
Product: Mortgage

XXXX XXXX XXXX XXXX Get my money back please
Product: Checking or savings account

Chase closed my account due to me asking for an accommodation under the XXXX for my XXXX. Chase felt I was not patience enough to accommodate my XXXX and closed the account. 
When they closed they account, I requested that they never contact me again because it would remind me of the discrimination and that I am XXXX and can not expect equal access to good and services from companies that do not accommodate the XXXX. Despite my requests Chase continues to email me asking me to sign into my secure message center. Each time it makes me feel horrible and reminds me of the day they threw me out of the bank keeping my ID and a check, I feel bad because of this and just want peace.
Product: Credit reporting or other personal consumer reports

XXXX has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!