23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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: Checking or savings account

Synchrony Bank failed to notify me by email that my CD was about to renew. 
so it renewed without my knowledge. I called them and asked their manager XXXX to move my funds into a savings account. XXXX refused to do this unless I paid a {$500.00} penalty. 
I'm almost XXXX XXXX and consider this XXXX abuse.
Product: Credit card

Company has a security of mine and I have received nothing in return for lending them my credit. See attachments.
Product: Mortgage

I HAVE BEEN TRYING TO GET ASSISTANCE WITH MY MORTGAGE FOR 2 MONTHS AND KEEP HAVING TO SUBMIT ASSISTANCE REQUESTS AND HAVE NOT BEEN SUCCESSFUL, I HAVE LOST MY JOB AND I DONT WANT TO LOSE MY HOME, PLEASE HELP ME GET ASSISTANCE. ACCOUNT # XXXX
Product: Credit card

I was approved for a CapitalOne XXXX on XX/XX/2024. I am trying to transfer my miles to a travel partner. Every time I try to access the miles transfer portal, CapitalOne will ask me to put in my phone number, and it will say that it can not match that phone number to my name, therefore it can not send me a 2 factor authentication code. Please see the screenshot attached.

I called customer service multiple times, and every response I got was that miles transfer is a self-service and there is nothing they can do. However, I can not self-service because CapitalOne refuses to send me a two factor authentication code to my phone number. 

Customer service at Capital One outright told me I can not transfer my miles at this time. I am helpless and I am losing out on the award redemption because I can not transfer the miles to my desired travel partner. This goes against the advertisement on the card 's information page and the booklet I got along with my card. None of the other banks pose such great difficulty to transfer miles. 

I've had this number for XXXX years, it is 100 % under my name, and I haven't changed mobile carrier for at least 4 years. I even called my mobile carrier to see if they are blocking banks from checking my identity and they said they are not. This is the number I put in for my credit card application. I was able to receive a code then, but I can not receive a code for transferring miles to a travel partner. 

I don't understand why my number is secure enough to receive a 2 factor authentication code when I signed up for an online account with CapitalOne, but my number is not secure enough to transfer miles to a travel partner. What kind of hypocrisy is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an XXXX FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Product: Vehicle loan or lease

Vehicle repossessed, i paid the redemption amount statewd on the notice to reinstate or redeem that was sent to me by Regional Acceptance Corp. They accepted payment, stated it was not the correct amount and then have ceased communication with me. 

THe vehicle is in florida last the gps updated me, before i was removed from the infotainment system. 

I had not recieved any notice regarding a vehicle sale, my contract shows active and current on the website with the same balance as when it was repossessed.
Product: Credit reporting or other personal consumer reports

I am writing to address an error on my credit report, which was inaccurately processed by XXXX The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

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

Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus. 
Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize inquires on my TransUnion credit report that I did not authorize or give permission to run my credit report also there were no written form of communication, contract or signature for this accused inquiry at all. According to the FCRA XXXX XXXX, XXXX/ XXXX XXXX & XXXX/ XXXX has violated my rights as a consumer and Im requesting legal action to remove these inquiries immediately
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date XX/XX/XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

Ally Bank has locked me out of my checking account due to an inability to verify my identity over the phone or by email. Since Ally Bank is an online-only financial bank, I can not walk into a local branch in XXXX XXXX to verify my identity. My primary source of income, Social Security, is directly deposited into Ally Bank every XXXX Wednesday of each month. 

I requested an overnight check be sent on XX/XX/year>. An Ally Bank representative from the Fraud Dept agreed to send it overnight, but I have not received it. I have subsequently asked for a tracking number but have not received XXXX from Ally Bank. I have an emergency. I need my Social Security check to pay my rent. As of today, it is past due. I also need my money from Ally Bank to buy food and other essential living expenses. I can not wait XXXX or 60 days to resolve this issue.
Product: Debt collection

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act UPSTART Network Inc, 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 an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Product: Credit reporting or other personal consumer reports

My current and only phone number is XXXX My current and only address is XXXX XXXX XXXX # XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. 
I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. 

I will attach the FTC report here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. 

Fraud accounts are the ff : XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. 

I was also not late for these accounts. I don't recognize any late payments. Please remove or update the status to 'Never Late ' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Please delete these fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

and if you can include these too, that would be helpful : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text that my Coinbase password had been changed and if I did not do this to call. I called and froze my account. A couple days later someone called asking me to send in my ID and provide authorization code to authorize my account. They told me my account was closed and secure. A few days later I was able to change my password and log in. When I logged in I notice over 22k of XRP coin was taken from the account. I reached out to coinbase to tell them and they froze my account again. Since then I can not get a response from them. They do not answer the phone and only allow for messages they will not return. I have messaged multiple times for them to follow up and no one is responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times and I demand these accounts be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax read information to furnish these accounts. 

Accounts are XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of WELLS FARGO acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given WELLS FARGO to furnish/report information on my consumer report, Re : Acct # XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I was monitoring my credit report with XXXX, and I noticed on XX/XX/XXXX that JP Morgan Chase Bank are make 32 unauthorized and non requested credit inquries several times per month and monthly since XX/XX/XXXX under different names without any credit application. I called on Sunday and the associate named XXXX from XXXX XXXX told me that they are allowed to do that and they are not. I have a regular checking account without any credit line, I did not have any credit card with JPMCB and I did not applied all 32 occasions. I need an explanation about this credit discriminatry acts that harm my personal and professional life and it is intentionally. The credit inquiries are the following : under name JPMCBXXXX  there are the following inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with address XXXX XXXX XXXX XXXXXXXX XXXX XXXX tel XXXX. Under the name JPMCB XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX. Under the name JPMCB they inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX w/address XXXX XXXX XXXX XXXX DE XXXX tel. XXXX. Under JPMCB CARD inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. Under name JPMCB XXXX inquired on XX/XX/XXXX with address XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I WOULD LIKE TO REQUEST THAT JPMCB XXXX, JPMCB, JPMCBXXXX, JPMCB CARD, JPMCB XXXX STOP MAKING NOT AUTHORIZED AND NOT REQUESTED DISCRIMINATORY INQUIRIES ON MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX accnt num- XXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Product: Credit card or prepaid card

I have two credit cards with Chase. On one of them I have 2 active disputes that were closed in favor of the merchant, without me being given a chance to rebut what the merchant claimed. In fact, one of the was a fraud charge and Chase customer service ( some of the WORST I have ever experienced ) either hung up on my face ( 3 times ) or said that information was private and can't be shared. I am the CONSUMER -- nothing should be kept from me. Here are the two charges they rebilled : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  opens menu {$40.00} See details about this transaction XX/XX/2021 REBILL AMZN Mktp XXXX Shopping XXXX opens menu {$46.00} For the Amazon charge, I explained the book seller who failed to send me the book was paid by Amazon already. Chase decided I should pay him an extra {$46.00}. Seriously? I have been your loyal customer for 15 plus years! As for the {$40.00}, this was FRAUD. She ran my credit without my permission and lied and said this charge was for an application to her apartment complex. Again, Chase sided with them!

If this isn't fixed, I am cancelling both cards and advising all family and friends as well as social media that your company is TERRIBLE. Before COVID, your customer service was great -- it's now XXXX.
Product: Checking or savings account

Issue with wells fargo been a customer from 2006 to present time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I navigated to the XXXX website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto XXXX although I could log onto XXXX. The XXXX XXXX site would not allow me to unfreeze my account, and I was unable to log onto the XXXX site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to XXXX via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my XXXX  account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.
Product: Credit card or prepaid card

On XXXX DISCOVER CARD claimed I authorized a DIRECT PAY when I asked REP for single payment and a change in BANK only Discover Access My Account Account number ending in XXXX Dear XXXX XXXX XXXX, Thank you for your participation in the DirectPay feature of your Discover it Card account. 

Please accept this letter as confirmation that your enrollment in XXXX has been canceled effective of the date of this letter. If your request to cancel your enrollment in XXXX occurred after XXXX XXXX on a scheduled DirectPay payment date, that XXXX payment was not cancelled only the future XXXX payments were cancelled. Please begin making your card account payments in accordance with your statement. 


We're glad you're our Customer and we want to make sure you have the most rewarding relationship possible with Discover it card. If there is anything else we can do to help, please let us know. Knowledgeable Account Managers are available to assist you, 24 hours a day, 7 days a week by calling XXXX, or you can always visit us at Discover.com. 


Sincerely, Discover Card Customer Service https : //www.facebook.com/discover https : //www.twitter.com/discover
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Equifax initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Equifax or deletion of the accounts.