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

This is a direct follow on to previous complaint # XXXX. 

Optum Bank continues to falsify records about when deposits to my XXXX are actually available. 

Yesterday, XX/XX/2023, my bi-weekly paycheck was issued, which included a {$110.00} contribution to the XXXX. Yet, this morning, XX/XX/2023, there's no reflection of that transaction ( see attached screenshot ). But I'm sure when the statement comes out at the end of the month, Optum Bank will show that the money was available on XX/XX/XXXX. XXXX other financial institutions that receive funds from my paycheck, and they all properly show funds available this morning from yesterday 's deposits. 

Furthermore, in the single email I received from the previous complaint, I was promised " updates as they become available '' but I never heard anything else from XXXX XXXX.
Product: Credit card or prepaid card

I redisputed a Chase transaction for the amount of {$8400.00} to pay for University tuition. However I had paid through by other means on my Texas XXXX XXXX Tuition Plan. However the first dispute has been ruled as valid. I reopened the case to redispute the {$8400.00} charge on XX/XX/2021 and by XX/XX/2021 they had sent me a letter to my account stating that the dispute had been permanently resolved in my favor, and that I was going to be credited back the {$8400.00} that had been charged on the Chase credit card. However they are not sending me the credit back despite stating through written from that they have permanently resolved this dispute in my favor.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunion, XXXX. Need to remove late payments from XXXX XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX
Product: Mortgage

XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Loan # XXXX SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida Housing Finance Corporation in XXXX. 

SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. 
I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. 

In closing, there will be a complaint filed to CFPB for further investigation into this matter. 


Please Govern Yourselves Accordingly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I went to the Equifax website after receiving my credit report electronically and noticed the extreme amount of inquiries on there. I had filed a dispute to remove them because I did not give authorization to run my credit nor are they associated with any active and opened accounts. Also, some of these inquiries had no creditor contact. I was informed that they will not be removed. The inquiries are as followed : XXXX XXXX-Inquiry :XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX XXXX -Inquiry : XX/XX/XXXX. XXXX XXXX- Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX-Inquiry : XX/XX/XXXX
Product: Checking or savings account

I deposited a check from my attorneys of a little over $ XXXX into a Citizens Bank account on XX/XX/year>. I paid {$12.00} to have a new card overnighted. Today ( XX/XX/year> ) I called because I had not yet received the card. I was informed by the bank that the card was indeed overnighted and someone with my identification went into the branch on XX/XX/year> and activated the card. The bank was closed today corporate said they would reach out to the branch they said a teller activated it and they would notify the bank to get the tellers name and time and I requested camera footage to catch the culprit. They said they would call me with the information. Tomorrow ( XX/XX/year> ) I will go into the bank as soon as they open and call XXXX and make a report. I want to prosecute because this has been happening for a long time and I have identity theft me and my fianc have had Social Security checks stolen other bank cards sent, and canceled phones hacked and the only person with a key to my house where my identification and Social Security cards went missing the other day and the card was removed from my mailbox and the only person with the key to my house and my mailbox is the XXXX. This has been going on for a very long time and I have called the police and the landlord always had an excuse that the camera wasnt working to see who was going in my mailbox now I finally have the opportunity to catch this person who not only broke into my house and stole my identifications, but then used them and went into the bank to activate my card. It is imperative that I catch this person so I could finally prosecute and sue them for all my other financial losses and problems I have had with multiple banks. And find out who stole my identity and has ruined my life. I need to absolutely make sure that Citizens Bank rectifies this I dont know what teller allowed someone with my ID and obviously didnt even check the picture to do this and I want these people held accountable. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. I was also never late for this payment. Not sure with XXXX and XXXX, but it's showing late in Experian only. Please update the account status to Never Late. 

I attached my FTC and IDs below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to Amex that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called Amex in XX/XX/XXXX and also in XX/XX/XXXX to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they have yet to reply. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts : XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under
15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX 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

All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

Good afternoon, I went to have a balance transfer from XXXXXXXX XXXX  to a Bank of the West card which promised no APY on outstanding balance until XXXX ( very enticing ). It was a portion of my debt with the intent to forget about some and pay off a smaller portion with discover. 

I had requested a balance transfer approximately XX/XX/XXXX, and sent a follow up inquiry on XX/XX/XXXX on their online message center ( no response ). Sent a follow up on XX/XX/XXXX and received a response on XX/XX/XXXX. It was a standard response of wait until 3 weeks ( which had been over 3 weeks by this point ). 

Message details sent to them on XX/XX/XXXX : I have no problem making payments ** However, looking at the statement balance, XXXX, which is an INCREASE ( emphasis ) from when I had the balance transfer from XXXX ; XXXX XXXX XXXX. 

This is weird as I made a payment on XXXX XXXX in the amount of XXXX, which should have reduced my total to XXXX. I want to make a payment tomorrow, but it seems the math is not math'n. 

Please advise, payment due date is XXXX ( Sunday ) which I will make but need to know what's going on. 
///////////BREAK/////////// Since this had been two-three months by this point, i preceded to call the numbers on their website. One directed me to a woman who was aggressively trying to sell me an emergency call button for what I imagine is for geriatric population. I interrupted her to ask who she worked for, to which she said she would transfer me but hung up. 

A second call after that one was with a man with a poor phone connection, and asked for my full SSN and Credit Card number for verification ( did not provide ). 

I have contacted XXXX, and they have no records of a balance transfer being initiated, so I have continued to make my payments to them. Bank of the West created debt out of thin air and were beginning to push for payments being made ( which after my first and only payment, my balance increased despite 0 % interest on debt ). I have ceased payments upon discovery of this suspicious activity and to date have never used this card. 

Greatly appreciate your assistance on this matter,
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Prepaid card

I applied for XXXX and never got my Bank of America XXXX  card. I spoke to XXXX and they said they couldnt do nothing about it that I had to talk to Bank of America. I finally got them to send me a replacement to find out my money was gone. I filed a claim and they denied it. When I asked why they said during their investigation they found those transaction were made by me or some I authorized. I asked them for documentation or proof of what they were saying. They never sent it. Its been months.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a complaint about syncb, they put 2 hard inquires on my XXXX  report that i did not authorize, they are exactly 1 year apart within a week, i called them 1 month ago and told them to remove and they said they couldnt and told me to call XXXX  to fix it and it happens all the time, so i called back 3 weeks ago and talk to a superviser, mind you on my credit report it says, syncb / national credit card / airlines. the supervisor said he couldnt d9 anything to remove it because they are not affiliated with a credit card ( airlines ) mind you they are the ones that furnished this info to tranunion so if they are not affiliated with an airline or whatever then they should send info to all credit reporting agencies and have it removed
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Driving Record Dear Sir/Madam, I am writing to dispute inaccurate information on my driving record as reported by LexisNexis. Upon reviewing my driving history, I discovered that there are two accidents incorrectly attributed to me : Accident on XX/XX/2021 XXXX. Accident on XX/XX/2021 Contrary to the information provided, I, XXXX XXXX, was not at fault in either of these accidents. In both instances, I was not issued a ticket, and the police reports confirm that I was not deemed responsible for the accidents. 

I want to emphasize the significant impact that these inaccuracies on my driving record have had on my personal life and family. Due to these erroneous reports, my insurance premiums have been unreasonably high, placing a financial burden on me and my family. These inflated premiums strain our budget and limit our ability to allocate funds toward other essential expenses, such as education, healthcare, and savings for the future. Additionally, the inaccuracies create undue stress and anxiety, as they misrepresent my driving history and unfairly tarnish my reputation as a responsible driver. Rectifying these errors is not only crucial for my financial well-being but also for the peace of mind and stability of my family. 

I respectfully request that these false statements be removed from my driving record promptly. As accurate reporting is crucial for various aspects of my life, including insurance premiums and employment opportunities, I urge you to investigate this matter thoroughly and correct the inaccuracies without delay. 

Enclosed with this letter are copies of the relevant police reports and any other supporting documents that verify my innocence in the aforementioned accidents. 

Please inform me in writing of the actions taken to rectify this situation and provide me with an updated copy of my driving record once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) XXXX XXXX writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Credit card

I found a BofA VISA card on my XXXX XXXX : XXXX. 
I never ordered this card, never gave my consent to open this card. I called BofA Cust. Serv. The couldn trace this card. I tried to trace this card on the VISA website, to no avail. 
BofA Cust. Serv. never returned their response to my inquiry. The card is still lingers on my account. Please help XXXX Bank of America Credit Card BOFA VISA XXXX XXXX XXXX Bank of America Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX