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

Regarding Past Due Credit Card Payment : XX/XX/year> - Spoke to " XXXX '' at FNBO approx. XXXXXXXX XXXX. and explained there was a Direct Debit for {$1200.00} that I, XXXX XXXX or XXXX XXXX ( account owners ) DID NOT AUTHORIZE. After a long awaited Deposit from one of our Clients, the money was much needed since my XXXX  ( XXXX XXXX ) is battling XXXX  XXXX XXXX XXXX. We have not been able to fully meet our bills due to the unforeseen circumstances. XXXX wasn't able to assist us so she transferred us to " XXXX '' at XXXX XXXX. XXXX and I, still confused as we thought the transaction was some sort of fraud transaction as no one could provide details. We then asked " what '' was the transaction and to please return it. XXXX could not assist us as well. Around XXXX. she then proceeded to say " Booking Department '' stated " XXXX XXXX '' authorized the transaction. We have NO CLUE who " XXXX XXXX '' is and have yet to receive our funds. 

XXXX XXXX- We received a letter to " Pay the past due payment ( s ) '' on the Credit Card stating " what '' the {$1200.00} transaction was.

Not aware how the figure came about and still puzzle who authorized it, we proceeded to verify our Credit Card statements to see if any further payments had been deducted in the past. We noticed FNBO had taken excessive amounts of {$30.00} transactions in the past WITHOUT OUR APPROVAL. 

I know this isn't a reason for us knowing the past {$30.00} debits, but my wife 's health took us out of our normal routine and the small amounts weren't noticed. Nonetheless, this doesn't give them permission to debit our account WITHOUT APPROVAL. We couldn't find anywhere on the website or any Disclosures outlining this is protocol. Yet, FNBO continues to call and threaten us about payments. We expect our money back. There are protocols for settling a Credit Card Debt and they DID NOT go that route. They are bullying our Checking Account for payments and we expect every XXXX back. DESPERATELY, PLEASE HELP.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 6802 is a section of the United States Code that covers how financial institutions can disclose personal information. 15 USC 6801 Protection of nonpublic personal information. 15 USC 1681 is part of the FCRA, which governs how consumer credit reports are accessed.
Product: Checking or savings account

On XX/XX/2021, 2 transactions were executed from the XXXX, XXXX business checking account which resulted in the following payments : XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1000.00} XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1200.00}. Neither transaction was authorized or approved by any personnel of XXXX, XXXX. This was reported on the same day XX/XX/2021, to chase bank as Fraudulent charges claim number XXXX. 
Chase bank subsequently conducted their own fraud investigation and declared that the 2 fraudulent transactions were authorized via finger print scan on a device. 
This is not possible as none of the authorized persons associated with the account had authorized these on any of the devices they own. Chase has subsequently paid the amounts to XXXX XXXX and withdrawing those amounts from the XXXX, XXXX Chase business checking account. On XX/XX/XXXX we received a letter from Chase declaring that the investigation determined the transactions were processed correctly or was authorized. We contacted chase bank and requested the documentation of their findings, which we have not received. A second letter was received with the same results on XX/XX/2021 and the requested information was not sent with the letter.
Product: Mortgage

We filed a complaint with Consumer Financial Protect Bureau, CFPB Ref. No.XXXX, PNC Ref . No. XXXX. I went to provide feedback or rebuttal, and thinking that since the last day to submit the rebuttal was on XXXX XXXX, that I would have till midnight to submit it. When I logged in, the system would not allow me to provide feedback ( rebuttal ). 
So, I am filing the rebuttal as a new complaint and referencing the CFPC Ref. No. PNC 's Response was dated XX/XX/2023. I have attached the Rebuttal document with attachments, to an uploaded file.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, in. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Someone stole m my identity and used my name and its error on my report and i am being XXXX  by this company every day.fraud all on my account that someone using my name and credit and its not fair I had a bad divorce and my name bein ruin again.
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 XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

Weve been charged forced insurance on our auto loan for about the last 6 months and was told its because were not insuring the car. Ive called 5 times complaining about the inaccuracy and provided proof of insurance 4 times with the credit union listed as the interested finance company and was told that the insurance charges will be reversed twice. Nothing has been done and we continue to submit the active insurance while they continue charging us forced insurance adding almost {$1000.00} to the loan balance. This vehicle has been double insured for over 6 months and Suncoast still hasnt credited our loan and wont help us or stop charging the forced insurance.
Product: Credit reporting or other personal consumer reports

I discovered numerous violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to inaccuracies and unauthorized entries on my credit report. These violations include : Willful Noncompliance ( FCRA 616 ) : My credit information was accepted and reported without proper verification, and this willful negligence holds the responsible parties liable for up to {$1000.00} per violation.

Failure to Disclose My Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : I was not informed about my right to opt out of sharing my personal information, a clear violation of my consumer protections.

Deceptive and Unverified Reporting ( FCRA 623 ( a ) ( 3 ) and 15 U.S. Code 1692g ) : Several accounts and inquiries were reported inaccurately and without proper validation, leading to significant harm to my credit profile.

Unlawful Debt Collection Practices ( FDCPA 1692c ) : Debt collectors improperly reported alleged debts, some involving identity theft, and shared my information with third parties, violating my privacy and the law.

Unauthorized Hard Inquiries ( FCRA 1681b ( a ) ( 2 ) ) : Multiple hard inquiries appeared on my credit report without my consent, which is a violation of permissible purpose regulations.

Misreporting of Late Payments and Finance Charges ( FCRA 1681e ( b ) ) : Payments were misrepresented as late despite being made on time, and finance charges were not accurately calculated, further harming my creditworthiness.

These violations have negatively impacted my credit score and caused me unnecessary distress. I have submitted a formal dispute, demanding that inaccurate accounts, unauthorized inquiries, and unverifiable debts be corrected or removed. Ive also requested proper validation of disputed entries and expect these issues to be resolved within the 30-day timeframe outlined in FCRA 1681i. If these matters are not addressed promptly, I am prepared to pursue legal action to enforce my rights.
Product: Checking or savings account

On XX/XX/year>, I called the XXXX XXXX and asked them to transfer funds from my old account to my newer account. My old account had fraudulent charges on it so i was in the process of closing it .... In order for me to get the funds in my old account transferred to my newer account I had to call the XXXX XXXX to transfer these funds from my old account. In the process of this, the XXXX XXXX informed me that my newer account was under investigation for fraudulent transactions and is being closed. I have been a customer of US BANK for more than XXXX years. I have had NOTHING fraudulent happening with my account. US Bank is closing my accounts without cause and without contacting me and letting me know it was under review. I am on XXXX and rely on that income. Now I may not be paid until a month later due to US Bank closing my account without cause. No information has been provided to me as to what they considered fraud so I could defend myself and any transactions they had issue with.
Product: Debt collection

I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD XXXX XXXXXXXX IN THE XXXX XXXX XXXX INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.
Product: Credit reporting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC1681 section 602a states I have the right to privacy.

15USC1681 section 602a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) section states : No consumer reportin 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.

15USC1681s-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 inacurate.

15US Code 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice requirements except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) in general a financial institution may not disclose nonpublic personal information to a nonaffiiated third party unless- ( a ) such financial institution clearly and conspicuously discloses to the soncumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( b ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an expalanation of how consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.
Product: Credit reporting or other personal consumer reports

Transunion is doing fraudlent investigations into my identity theft. XXXX and XXXX both blocked the XXXX XXXX account on my profile with the same valid evidence I sent Transunion.TransUnion is allowing illegal accounts to stay on my profile hurting me mentally and financially i have seen in the news the fraud investigations they are doinf please help me remove this illegal account immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft and XXXX Data Breach Dear TransUnion Dispute Department , I am writing to formally dispute the presence of fraudulent accounts and/or inquiries on my credit report, which have resulted from identity theft. Additionally, I am a victim of the XXXX data breach, which exposed my personal information and made me vulnerable to fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized accounts/inquiries be removed immediately from my credit report. 
The following accounts/inquiries are fraudulent and were not opened or authorized by me : 1. XXXX XXXX XXXX XXXX {$1900.00} Under the FCRA ( 15 U.S. Code 1681c-2 ), as a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ) A copy of my proof of residence ( e.g., utility bill, lease agreement ) A copy of my police report or FTC Identity Theft Report A copy of my credit report with the fraudulent accounts highlighted As per FCRA regulations, you are required to investigate and remove fraudulent accounts within 30 days. Additionally, I request that you send me a written confirmation once the disputed items have been resolved and removed from my credit file. 
Please consider this letter as my formal request to correct my credit report and ensure that my consumer rights under the FCRA are upheld. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX - XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Money transfer, virtual currency, or money service

I was recently sued by Portfolio Recovery Associates for a credit card debt but I informed them that I was unable to come to court due to the fact that I couldnt risk leaving my elderly mother alone because of her late-stage XXXX and other health issues and that I was willing to settle the debt before the court date of XX/XX/XXXX in exchange that they would cancel all collections activities which includes dropping the lawsuit against me. They agreed to cancel all collections activity on this very same online website a month ago, but they have not honored our agreement. The courts still made a judgment against me due to the fact that I didnt appear in court. The courts may very well arrest me because of that.
Product: Debt collection

I used a telephone in a break room to make a telephone payment to XXXX XXXX XXXX, ( XXX ) XXXX, and the collection department ( Comenity Bank ) has now made repeated calls and provided information to parties NOT related to me about my account being past due. This is a break room frequented by several people in located in the city hall!! I did not provide this number as a contact telephone number nor did I authorize the release of my account information to third parties!! 

Recent calls made on to the break room : XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX ( message left w/unrelated person ) XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from UNKNOWN @ XXXX This does not include the multiple calls made to my home telephone number!!
Product: Checking or savings account

haven ; t received a statement or debit card.the account was ttaken over in the financial crisis.