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 U.S.C 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 XXXXXXXX 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 adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. 

Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. 

I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. 

Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, this is evidently a company PORTFOLIO RECOVERY ASSOCIATES XXXX I did not have a contractual relationship with. How are they claiming I owe them a debt? They failed to send me proof that this account belongs to me along with the name, and address. 

Another account under the same company PORTFOLIO RECOVERY ASSOCIATES Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are on my credit report as charged off. they were included in a XXXX XXXX  bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to XXXX but still left it as charged off. XXXX XXXX XXXXXXXX sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mn XXXX comenity bankXXXX XXXX XXXX XXXXXXXX XXXX  oh XXXX comenity bank/ XXXX, same as above comenity bank/ XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Product: Debt collection

On XX/XX/XXXX I received notification from the credit bureaus, XXXX XXXX, XXXX, and XXXX that I had a collection account added to my consumer credit report from Security Credit Services. This collection company never communicated with me via, mail, phone etc. about anytime of collections with the original creditor XXXX They have violated my rights as a consumer based on 12 CFR 1006 f ( 30 ). This states they must contact me and give me the right to dispute any collection account.
Product: Debt collection

Its a scam telling me I owe money but Im a minor and its a telemarketer/phone scam ACI is the name of the company Phone number is XXXX If it helps I recently switched from XXXX -> XXXX XXXX XXXX did claim that I have spam call prevention but obviously it didnt work
Product: Money transfer, virtual currency, or money service

Chase bank with XXXX. 
After realizing this was an online romance scam to help someone get out of XXXX  in XXXX. Ive lost a lot of money. XXXX failed to help reverse everything even after it was completed and states XXXX providing to only send money to someone you know. But after realizing everything was a scam they can not reverse it. I have multiple emails through my chase account sent to XXXX accounts yet my personal bank did not accept the fact it is a scam Since XX/XX/2020 after filing with FTC they would not accept the claim number also. Yet currently with XXXX XXXX transfer after providing the XXXX  XXXX id and claim number they were able to temporarily provide fund back while they research everything. Yet that isnt enough because they can take the funds back!
Product: Debt collection

On Saturday XX/XX/2023 I discovered a collection agency on my credit report trying to collect for Advanced America in the amount of {$3400.00}. I filed a police report XXXX Police Dept report # XXXX officer XXXX XXXX . This is not my debt and have never used these services.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX BIRTHDAY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
Delete these hard inquiries : XXXX. ) XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX XXXX via XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was in my vacations from the XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I received an email from American Express that the were reviewing my credit limit to reduce it. I was told to pay an amount over XXXX dollars before XX/XX/XXXX. I was in the XXXX during my vacations and I had limited access to internet and no access to calls. I read the email and immediately I contact ext customer service through the app and they told me that they cant do anything for me unless I contact the department via telephone. I tried to download XXXX to call them but I was not able. I had no access to calls until XX/XX/XXXX. And when I checked my credit limit was decreased. I never missed a payment. I never went over limit. And I want my old credit limit again.
Product: Credit card or prepaid card

I paid my Citibank card off and it posted one day late ... i got a {$39.00} charge and interest started accruing on that {$39.00}. This should not be allowed ... earning interest on fees is just double dipping ... making fat cats richer. Well ... i paid my $ XXXX dollars this month and the due date is on a saturday so it didnt post until the next week ... which again resulted in another {$39.00} fee and then a minimum interest charge of {$2.00} because interest on {$39.00} is well less than {$2.00}. So basically i have paid nearly $ XXXX in fees and interest in fees. My problem is not the late fee but the interest on it ... and then charging another fee on a fee ... which happened this month. I work in the computer industry and they can absolutely program to not earn interest on fees or add a fee on a fee ... this is how consumers get into trouble when these companies charge fee after fee after fee on fees. I paid it ... but this should not be allowed. This bank would not even be in business if it werent for the taxpayers of this country and we need to be treated with more respect. Sure they need to pay their bills too ... but fees on fees is unscrupulous.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX XXXX I SEE THAT XXXX XXXX XXXX WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM XXXX XXXX XXXX  SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD 4 LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Product: Debt collection

Date opened XXXX XXXXAmount XXXXRE: Social Security Number: XXXXTo Whom It May Concern:I have recently been informed that there is negative information reported by Online Information Services in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing XXXX.I am unaware of XXXX with this company.Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number: XXXX.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623(a)(3), and I am keeping careful record of your actions.Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX in damages for:1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices ActYou will be required to appear in a court venue local to me, in order to formally defend yourselfMy contact information is as follows:XXXX XXXXSSN: XXXXP.S. I have also reported this company to the XXXX and I have not received any correspondence to this allege debt from this company.  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX Balance : - ; 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 Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recieved an alert I applied for Barclays Bank Delaware Credit card! This was not me and was fraud! I called credit card company to stop application from going thru and advised it was fraud! They claimed to sent a letter to all credit bureaus to have this inquiry removed!! I spoke to someone in presidents office twice and said it was done and it still hasnt been done. If this isnt rectified within a week Im calling an attorney!
Product: Mortgage

I have a Mortgage with WJ Bradley mortgage company. Everything was fine until they switched to a new company to process their payments. Every since the change I have had nothing but problems. They are rude on the phone, they do not keep accurate records, they say they there is no record of talking to us etc. The big problem is they do not process my auto payment so they can charge late fee 's. I work out of the country and every one of my bills is paid on time with automatic payments. They are ether incompetent or thieves or both.
Product: Credit card or prepaid card

Chase keeps reapplying fraudulent charges to my credit card! 

Last month, I reported my credit card stolen within an hour after being pickpocketed. I " locked '' the card from my bank 's app. 

Though I only reached recordings ( " the fraud center is now closed '' ), I managed to call and use the automated system to make the report and to request a replacement card. 

A week later, on Black Friday, over {$8000.00} in charges were made on the " locked '' card. XXXX XXXX, XXXX, XXXX, XXXX XXXX, and even snacks at XXXX 's. 

After I made more calls to the " fraud center '' during business hours, the charges were credited, but incompletely ; my balance fluctuated. During each call, I was consistently reassured that these were all " automatically '' regenerated by their " system 's back end, '' and that I could ignore the alarming reappearance of these charges. " This just means our team is investigating these charges, '' they said. " You'll get a call within XXXX hours. '' No such call ever came. 

As of today, I received a " letter '' in the app 's " secure documents, '' informing me that I reported all $ XXXX charges as valid yesterday! I did no such thing! Half a dozen calls gets me only bland assurances. 

Is this an inside job? I did not have any of this trouble with the XXXX other cards that were stolen.
Product: Checking or savings account

On XX/XX/21 four, unauthorized wire transfers were sent from my account by someone each for {$1000.00} totaling {$4000.00}. Changes were made to my account settings. None of this activity was flagged nor was I notified by Chase even though I have never used a wire transfer. The money was removed and chase only shut down access after a fifth transfer was attempted for {$500.00}.

I have contacted the bank four times and they have not refunded my account. They have not contacted me at all with any status.

The total amount owed me is {$4100.00}.

Chase was not able to identify or protect my account from this blatant fraud. Chase allowed my contact I formation to be changed without notifying me.
Product: Debt collection

From XXXX to XXXX of XXXX I was charged for a electric bill that I never used.. Its call XXXX XXXX, its in Texas.. I dont live in Texas , and I never been to Texas !!! Its on my credit report as a collect for {$350.00}
Product: Debt collection

Debt was paid to the original creditor after adjustment by insurance company. Credit Control Corp was never involved and are attempting to defame my profile with XXXX, XXXX, and XXXX  credit bureaus with extremely malicious intent. 

This is evidenced by the recent erroneously and incorrect " XX/XX/2019 update to my XXXX credit file '' for an account ( Re : Acct. # XXXX ), that is/has been paid in full! I have already attempted to remedy this situation with Credit Control Corp to no avail ... .as they continue to criminally defame my character by passing erroneous, malicious, and incorrect information. This inaccurate information SHOULD HAVE BEEN VERIFIED through my two previous attempts to rectify this situation. However, Credit Control Corp continues to persist in this defamation attempt. 

If this continued attempt by Credit Control Corp to defame my character through the passing of erroneous information causes financial harm and ineligibility of me to purchase a new home, I will not stop my pursuit of accountability for their actions. I will pursue ALL legal avenues to remedy this issue pursuant to my rights under the FCRA and through my lawyers advice.
Product: Payday loan, title loan, personal loan, or advance loan

BMO took over Bank of the West. On XX/XX/XXXX the transfer was complete. Around XX/XX/XXXX I went online to establish my account with BMO I received an error message. I called and the agent was able to clear the error. I went to the next step to verify my bank information and they requested the user name and password of my bank to verify my account. Not happening. I spent 3 days using their XXXX alternative to verify my account. Each day I receive error messages. I finally was able to verify my account.On XX/XX/XXXX I received an email that my phone number was taken off my account. I again called BMO was told the agent had no access to my account. He could not or not explain why. I asked to be transfered to someone who could access the account. I finally was connected to a person. She explained that my account was shut off because they request a driver license verification. In this process, I could no longer access my account. I never recieved that by email or bank message. I requested that they mail through the Post Office the driver license request and a payoff bill. I was told they could not send me a driver license verification through the mail. She also told me if I sent a check in the mail that no one could access my account. Today XX/XX/XXXX I have access to my account for now. In between all these conversations I was being told that I would need to go to my local branch. I live in XXXX  the local branch to me is XXXX XXXX XXXX. I was told also when I called The XXXX toll-free number that they could not help me because I am in the US. So XXXX is not an option. All I would like to do is to make sure that my BMO account is active. I am taking a personal loan from my bank to payoff this loan if I get the mailings. I just want to pay this off. I do not want my credit score to be effected, I worked hard to get it where it is at. In XXXX  years I have never had this type of issue. Please help Thank you
Product: Credit reporting or other personal consumer reports

did not authorize these inquiries and have no doubts about their fraudulent nature. I implore you to carry out a thorough investigation and promptly remove them from my credit report.
Product: Credit card or prepaid card

I took out a a Synchrony credit card to pay for some dental work at XXXX XXXX XXXX. The amount was {$2400.00} on XX/XX/XXXX. 

I put in auto-debit info and selected pay minimum, which would have been {$74.00}. However, they charged my the full balance, {$2200.00} on XX/XX/XXXX ( they says XXXX which is impossible because of the holiday ), XXXX. I have my XXXX banking statement to prove this ( currently Synchrony says I paid twice, which is incorrect. ) I called to ask for a refund. They said they could only send a check. They said they would send a check, minus first months payment, for {$2100.00}. I received this check and deposited it on XX/XX/XXXX. 

Since then they have added, removed, added, and removed the initial balance to my account to multiple times. Now they say I owe {$4400.00}, instead of the {$2100.00}. 

I have called countless times, and chatted countless times, unable to reach an agent under 1.5 hours, or to be put in endless holds never getting a hold of anyone. They have purposely ignored my requests to resolve this, or lied to me and said I signed up for promotions, or lied saying they were resolving it, only to have other agents say thats not true. 

They sent me a notification on XX/XX/XXXX, that my check bounced, which is why this charge is on my account. I have never sent them a check nor, have I ever used their services and money past the initial charge ( + {$2200.00}, then - {$2200.00} ) and refund check ( + {$2100.00}, what I should owe them. ) Im begging for some help I would just like my balance to be the correct {$2100.00} and I will pay it in full and close my credit card immediately just to escape what is clearly a predatory and fraudulent bank. Thank you.
Product: Mortgage

I recently sent them an 'Escrow only payment '. I wrote my account number on the check with this statement. I sent a letter with the check with this same direction. They cashed the check 2 weeks ago ( I twice sent them proof of this - picture of front and back of check ). They acknowledge this. Only problem, they deposited it into another account. Now, 2 weeks later, and tons of phone calls, and the money STILL hasn't been put in my account and I am coming up on my annual escrow analysis which means they could also XXXX up my monthly payment. This is the 3rd time, they have misdirected funds I have sent.
Product: Checking or savings account

I have submitted multiple requests through the PNC portal to close my checking account. Multiple representatives reviewed request and have sent me forms to electronically sign. I have signed the forms, but PNC still has not closed my account and continue to charge me a monthly service charge. They now have sent me a letter stating my account, which should have been closed in XXXX, is now negative {$7.00}. I called to speak to a representative who stated because I was charged a service fee in XXXX, XXXX, XXXX, and XXXX, that she is unable to waive the one fee that I requested for XXXX and can not close the account. Now she is telling me that it will take 48 business hours for someone to review my escalation. All I want is for PNC to refund the fee that they charged and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies : XXXX, Equifax, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.