23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A bank account with Chase Bank was opened around XX/XX/2024. I received a notice regarding my address was updated for my bank account. So I called to see if a bank account was in my name. They stated yes, so they removed the funds and closed the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed from my credit file. 
The fraudulent accounts in question are as follows : XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXXXXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$78000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00}
Product: Credit card or prepaid card

I bank with Wells Fargo. I pay the minimum every month with auto pay. This month the auto pay switched to pay the fullbalance of card without my authorization on XXXX XXXX dollars was deducted from my account making my account over draft with many fees associated. Over {$3400.00} was taken from my checking and another XXXX taken from my savings. 
I now have a negative balance of {$870.00}. i am unable to pay other cards and gym memberships and my rent. I contacted Wells Fargo credit card on Sunday XX/XX/XXXX and was told the funds would be placed back in my checking account by Wednesday XX/XX/XXXX. ON XX/XX/XXXX i check and no funds were place back in checking and savings account. I called again on XX/XX/XXXX and was given the run around and they said they did not take the funds, so i raised a dispute because no one could clearly tell me where the the funds from my checking and saving went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Product: Credit reporting or other personal consumer reports

The accounts listed were opened fraudulently. I did not open any accounts not did I authorize anyone to open any accounts. I attempted to resolve this matter without success.
Product: Vehicle loan or lease

I tried to open a loan ( auto ), submitted all the paperwork. Perfect credit score and income over what is the minimum, i was denied aince i am XXXX
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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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: Debt collection

Allstate Credit Bureau an unauthorized Credit pull which is illegal. Also contacting me by phone and I specifically told them to stop calling. 15 USC 1692 Its illegal for a debt collector to buy up debit from the original creditor that sold and wrote off the debt. Also this collection was removed off XXXX Credit report and put back on thats also illegal
Product: Debt collection

I received an alert on my credit file that Jefferson Capital Systems has placed a collection on my account without any information sent to me regarding the validation of the account. I have never done business with this company and do not owe them any money. 

They claim I owe {$1400.00} and do not list what this is for at all on my credit report. Any " unknown '' and unidentified information needs to be deleted from my credit report immediately.
Product: Checking or savings account

Tis is in reference to a prior complaint # XXXX - Capital One stated they sent documentation on XX/XX/year> no docs have been received as of XX/XX/year> - no resultion has been done. Actually things have gotten worse on this and now they just keep referencing docs they never sent
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Payday loan, title loan, or personal loan

The man named XXXX with LightStream Finance Company said, & texted me " congratulations you are approved for a {$5000.00} loan, & that the payment would be {$180.00} a month ''. He " XXXX '' said, because they have had so many problems with people keeping the loan money, & not making the payments " Stealing '' the funding money from the company. They developed a verification process I need to follow in order to get the {$5000.00} deposited to my account tonight. He said i needed to go to XXXX XXXX XXXX, & purchase 2 XXXX XXXX, or XXXX XXXX Gift Cards. He said buy 1 gift card for {$450.00}, & 1 for {$250.00}. So I did, & the  transaction was declined. He said " don't worry about it is ok, because the Bank probably put a limit on my withdrawal amounts. He said now drive to the bank, & by the time I get to the bank their accounting department will have everything straightened out. He said the accounting department put more money in my account, and they need me to get {$1500.00} in cash from the teller. Then go back to XXXX buy 3 {$500.00} a piece XXXX XXXX XXXX. He said then I am verified by their accouting department, & they can deposit my {$5000.00} loan funds in my account by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I didnt authorized this inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an extension on my auto loan with Capital One Auto Finance on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. Capital One Auto Finance gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. Capital One Auto Finance then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with Capital One and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/scrub>XXXX  The following inquiry was no and should not be reporting. 
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 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 ) ( 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.
Product: Checking or savings account

On XXXX XXXX, 2022, I called Goldman Sachs to initiate a {$30000.00} wire to an escrow account as part of a home purchase. The representative said he was unable to send a wire-in-progress or confirmation email. Instead, he shared an internal escrow wire reference number. 

Because it was late in the day, I understood the wire would likely be processed the next day. Instead, XXXX XXXX came and went without the escrow being processed. The funds remained in my account. 

On XXXX XXXX, I called customer service and was told it was in progress. Unfortunately, they did not tell me if I needed to verify any details or if there was anything I could do. They simply told me that some wires take one to three business days, and because I started the wire in the late afternoon on XXXX XXXX, XXXX XXXX was technically only the second business day. 

My escrow XXXX told me Goldman Sachs called her on XXXX XXXX to confirm the wire transfer details. She promptly gave the instructions that morning. Still, the wire was not sent, and the funds remained in my account. 

On XXXX XXXX, I called Goldman Sachs and asked if the funds would be sent, as it was the third business day. The representative told me only that the wire was in progress. However, she let me know that it was the third business day since I initiated the wire, and wires typically take one to three business days.

At the end of the day, the funds remained in my account. The wire had not been sent or processed, even after three business days.

I asked for each representative to send me an email so that I could prove to the XXXX  XXXX and the house seller 's realtor that the wire was in progress. None of them could provide me with the email or anything in writing about the status of the wire. 

I am now at risk of losing my house purchase because I am in breach in contract. My earnest money has not reached the escrow account. I have waited on hold for XXXX hours every day for the last four days. This is unacceptable. 

The Goldman Sachs XXXX wire reference number is # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXXXXXX XXXX that they would be divulging my information to XXXX Funding or XXXX XXXX XXXX. Furthermore, the involvement of Credit Control LLC in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Product: Vehicle loan or lease

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ).

A furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally Capital One should not have them there.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Debt collection

XXXX keeps reporting an account I never had and its marking I have a balance due. Its not my account I dont own it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reports from XXXX and Experian both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, XXXX from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX is not reporting it. I have contacted XXXX, Experian and XXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are the result of identity theft : XXXX XXXX XXXX {$5800.00} XXXX XXXX- XXXX {$3700.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$5800.00} XXXX XXXX- XXXX {$3700.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX I am including a copy of a recent FTC report, I ask that these accounts be removed.
Product: Debt collection

TD Bank told me I have 60 days from XX/XX/XXXX to pay off a balance. They have called me 9 times since Tuesday XX/XX/XXXX and today is XXXX. This is harassment. I emailed them yesterday XX/XX/XXXX to stop contacting me about something I already know. I woke up today XXXX to a phone call. They keep calling and not leaving a voicemail. This is harassment. I have acknowledged multiple times to them about this debt and they continue to call and not abide by the XXXX rule. They are not following regulation F. If I need to sue them for harassment and bullying I will. At this point I have reported them for unfair investigation and now this???? This is not ok. If I end up in the hospital with my XXXX XXXX I will sue this bank for more than what I owe them. At this point td bank should be held accountable for their actions. Please make the harassment stop. They are not following regulations and rules. My debt should be deleted by them since they are law breakers. I will be contacting a lawyer for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with XXXX and Transunion to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.