23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX.
Product: Credit card

I have an installment through my Apple Credit card with 2 payments remaining and they will not allow me to pay off the loan early without paying of the full balance on the credit card. One has nothing to do with the other.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX while researching possible rental apartments in XXXX, XXXX my wife contact what she thought was a 2 bedroom 2 bathroom apartment and asked for more information. After learning about the apartment I researched the realtor and found him to be a legitimate XXXX  realtor. I went to the bank on the morning of Tuesday XX/XX/XXXX and wired the funds to the account they had directed the money to be sent too.

We then contacted our bank US Bank where we had initiated the wire and spoke with the Branch Manager on the afternoon of XX/XX/XXXX. We notified them this was fraud and took the steps necessary to open a fraud case. After they opened the fraud case they said they would not know until Wednesday Morning XX/XX/XXXX, whether they were able to stop the fraud. After checking my bank account to see the money had been taken out. We contacted the wire department and spoke with the case investigator who started that wire fraud is not handled by the FDIC anymore and that we are out the money. We did ask what they were doing to contact the other bank and was told they sent a message and would wait to hear back. The other bank involved is a bank called XXXX XXXX in XXXX.

We spoke to the FDIC at this point to clarify whether wire transfers are covered or not. We were told they are no longer covered by the FDIC and to speak to the consumer protection board and file a complaint against the bank. We are filing the complaint as we are extremely concerned about the negligence that the investigator has shown.
Product: Checking or savings account

Back on XX/XX/2022 Huntington Bank had closed my 2 accounts I had with them. In 1 of the accounts I had a positive balance of {$1400.00}. I have not received my {$1400.00} check that they have said numerous times they have sent out. On one of the occasions that I have talked to them they told me that they had did a stop payment on the check and said the reason was that I didn't want it. I NEVER once said that I didn't want my money. I am now getting evicted cause I can't pay my rent because of Huntington Bank not sending me the {$1400.00} I still had in my account.
Product: Mortgage

Citi mortgage said I was being transferred to XXXX effective XXXX/XXXX/2016 and as of XXXX XXXX, 2016 they was not accepting any further payments. I called XXXX and gave them the account /loan number which Citi mortgage provided. XXXX had no knowledge of me nor the loan/account I gave them. I contacted Citi Mortgage according to their records I was transferred. On XXXX XXXX, 2016 I was informed the transfer was RESCINDED and a letter was sent on XXXX XXXX, 2016. I have not received this letter. I want to know the reason why the transfer did not go through. No one at Citi Mortgage can tell me the reason why the TRANSFER was RESCINDED. As a consumer I have a right to know.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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
Product: Credit card

Both Wells Fargo credit cards were hacked and used by someone other than me and without my knowledge or permission. I have stated the cards were in my posession at the time this occurred and the claims letter said that since I had them they were all authorized charges. This is a problem that Wells Fargo is well known about. They deny all claims and attempt to place the consumer at fault. I did NOT use my cards nor authorize ANYONE to use and or make ANY transactions with them. I want this resolved in a timely manner short of having to get the courts and news agencys involved. Wells Fargo even stated the charges were not normal for me. Then why did they allow them to go through?
Product: Credit reporting or other personal consumer reports

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICAL DATA SYSTEMS & MEDICAL DATA SYSTEMS ( 2 ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the account XXXX XXXX multiple times and have yet to receive any results or response from the company. I am a identity theft victim this account is not mine and I never authorized this account to be created on my behalf nor did I benefit from this account in any way.
Product: Money transfer, virtual currency, or money service

My account was overdraft for purchases that i had already paid for once. 
The amount was deducted from my Cash app balance on the date of order, however it remained a pending charge When the pending charge released it created an additional charge to my account that caused a negative balance Which means i couldn't load any cash or access the account while its negative. 
I asked them to refund the amount, but they said it was the company that doubled the charge but after contacting the company and reviewing my order they assured me it was on the side of cash app I never received a refund and was lied to about how it could be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My. Credit report shows syncb/carecr balance of XXXX. I in no way shape or form Opened or show me my signature guys they didnt even send me one bill says opened XX/XX/2018 charge acct cancelled by credit company on XX/XX/2018. It says im 180 days late but a ) i never got so much as a birthday card llet alone a credit card and When i contacted them to know exactly what these alleged charges were for they go oh well send you itemized bills and its a month already, less then a year ago my credit score was XXXX and now cause of this something i never authorized my credoit score XXXX. 
Like im not shy about my address dont these companies verify when one applies who the XXXX is care credit? On XX/XX/XXXX new inquiry syncb industry travel/entertainment on XX/XX/XXXX new acct syncb/care credit industry : misellanous finance XXXX XXXX XXXX XXXX florida XXXX Not to mention my email XXXX is XXXX Can you do your jobs
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. 
I was not provided the method of verification on XXXX XXXX XXXX late payments, XXXX XXXX XXXX or the inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns the recent cfpd findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had earlier filed a complaint regarding Barclays Bank Delaware not reporting my correct SSN hence hindering my finances and just now I got the attached letter from my Realtor stating I'm going to be responsible for an extension to close on my home. 

Please Barclays bank Delaware should do the needful by updating my account correctly to reflect my SSN in order for me not to loose this much money before XX/XX/2022. 

Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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

I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus and Or XXXX Lexus verify my bankruptcy as 100 % Accurate. Whats the procedure? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. How did you verify information that I gave no permission to be made? How did you verify information when the court said they dont give out that type of information
Product: Debt collection

Account # XXXX Aldous and Associates XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX states date opened XX/XX/year> incorrect as I dont know this company! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Product: Checking or savings account

XX/XX/XXXX I was decline paying for my hotel stay. XXXX XXXX  I attempted to withdrawal cash to service while looking for a job out of state. I selected the travel option on the customer service line. There was no reason to repeatedly flag small purchases. On XX/XX/XXXX approximately XXXXXXXX XXXX I visit a local ATM machine near the hotel extended stay. I was decline any withdrawal attempt. I called the bank and spoke with XXXX to verify my transaction activity, I ask was causes restricted flags on accounts. The gentlemen could not specifically explain. We then proceeded throu transaction verifying. After I verified no suspicious activity he said he needed to put me on hold while he remove restriction on my account. While he was doing that I walk to the corner gas station to make a withdrawal with no food in my room, I was hungry with a head ache. Upon arrival he asked again for my pin to account. I enter my info on the ATM and withdrawal was decline again. He then stated that there is some wrong with the chip. I noticed there was no error code beside that fact my card was just declined. The card is still in like new condition and the bank have constantly block me from getting food. I called the customer service a week ago so that they will have me on travel status there is no reason to consistently block me from getting food and paying for hotel stay. Please help me. My sleep patterns have changed for the worst. Last week when I was decline paying for the extended stay the rep constantly asked me the same questions about transaction after I was clear of verification including secret passcodes. Help the banks is forcing a legal consumer to detrimental well being. XXXX veteran benefits should not be withheld based on repetitive verification questions. Also, raising flags for restricted access for general activity can be used in the form of consumer spending management control for banks. 


Phone contact - XXXX XXXX - XXXX XXXX XXXX ext stay in XXXX. TN.
Product: Checking or savings account

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. 
I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. 
As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. 
Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. 
And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. 
I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. 
IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX