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

To whom it may concern, I am writing to file a formal complaint regarding the unauthorized freeze of my personal checking account that occurred on XX/XX/year>. In this account, I have {$17000.00} dollars in my account and I am deeply concerned about the actions taken by the institution. I believe this financial institution is in violation of federal and state laws governing the protection of personal funds. 

On the aforementioned date, without any prior notification or communication, First Citizens Bank froze my personal account ( s ). This action was taken without my consent or knowledge, and it has caused significant distress and inconvenience to me.

I want to bring to your attention that under federal and state law, certain funds are exempt from garnishment. This means that regardless of any legal proceedings or creditors ' claims, specific funds are protected and can not be seized. Examples of such exempt funds include Social Security benefits, XXXX XXXX XXXX, XXXX benefits, and certain XXXX pension benefits. Additionally, there may be other exemptions under state or federal law. 

Given these legal protections, I strongly believe that the freeze imposed on my personal account ( s ) is unjustified and unlawful. I have not been convicted of any crime or found liable for any debts that would warrant such action by the bank. 



Thank you for your attention to this urgent issue. 

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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with Experian on ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has yet to provide a proper investigation, proof of validation or correct the account errors on these accounts. 

XXXX XXXX XXXX - Unverified Account / Unverified Late XX/XX/XXXX and XXXX Innaccurate Open Date ( XX/XX/XXXX ). This accurate open date is, XX/XX/XXXX per XXXX XXXX XXXX document that was sent to me. 
Note : I received one letter with just and open date and balance from this creditor. This is not proper validation or the account or 30-day /60-day late marks that they placed on my credit reports. 

XXXX XXXX XXXX- Unverified Account/ Unverified Balance/ Inaccurate Open Date Note : after months of disputing, I finally received a letter from this company with a bill for {$3500.00} an a copy of a lease on XX/XX/XXXX. They did not validate the date or provide me ownership of the count of and proof of the debt owed. This account, balance or ownership is not properly per the FDCPA
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting wrong information with insurance company making false claims and at fault wrong info I have also consulted an attorney on the matter. 

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

In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # 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
Product: Debt collection

After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for XXXX Credit Bureaus. Filed XXXX Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX  letter to XXXX. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX Equifax : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon review of my credit report, I see that there is a collection account for XXXX. The last time I reached out to the collection agency I requested detailed documentation ( validation ) of this debt that I owe, meaning under the FDCPA, I am entitled to the following information : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed. If the above can be provided to me in writing, I will be more than happy to negotiate a settlement, in turn I want this item removed from my credit report.
Product: Debt collection

I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX.. I have called, mailed, and disputed online and they still have not remove the account even though center point confirmed it was fraudulent..I am now asking the CFPB to inforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting or other personal consumer reports

Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. 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 nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, 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 ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

In addition, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may
furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Paid In Full to utility company XXXX XXXX before being submitted to collection. XXXX XXXX and XXXX  have both deleted this inaccuracy from my report but Equifax  has failed to remove after 3 disputes. Account is clearly listed as PAID and they are still reporting it as a COLLECTION ACCOUNT when this information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The items I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the 3 credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was at the store on XXXX XXXX doing some shopping when it came time to check out i could not find my card so I went to use XXXX XXXX and my payment kept not going through so I pulled up My Money Network app and seen a {$1000.00} transaction sent out of my account to XXXX XXXXp so I ended up having to leave the store without my groceries felt like everyone was staring at me.so I then called my cards customer service right when I got into the car told them about the unauthorized transaction told them I locked my card had them cancel it and send a new one sent within 2 days next I called XXXX XXXX  to let them know of what had happened wasn't sure if I had to contact them or not.So then had to wait for papers to come in the mail to sign the dispute. on XXXX I received 2 envelopes from money network one held the dispute papers the other held a denied letter about my dispute due to me not doing the paperwork I got both papers on XXXX how does that work i dont say how long the mail takes to get to my house. IV been with these guys for years never any problems I was shocked the transaction wasn't denied and flagged since IV never sent that amount to anyone ever to me that is a none normal thing and should of been stopped and I should of been alerted for it iv appealed my dispute like 3 or 4 times still denied I sent them my XXXX statement for XXXX XXXX XXXXo prove it was not my account nor did I have any transactions like that I told them that someone has to of stole my card cause I couldn't find it to make my purchase and with the transfer transaction it's obvious some one had used it I also notified all 3 credit bureaus about the fraudulent transaction iv talked to money network on the phone many many times even asked to talk to a supervisor a few times just gets me no where I don't understand this I feel like this is there fault not mine why do I have to go through this headache.on money networks web site it says stay confident with XXXX XXXX  Zero Liability Policy* is our guarantee that you ( won't be held responsible for unauthorized charges made with your account or account information ). You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. Iv seen there has been many diff lawsuits against money network for not crediting people 's accounts for unauthorized transactions and other similar things so please I beg you to help me get what I'm owed by money network it's just not fair or right.
Product: Money transfer, virtual currency, or money service

I need help with an electronic bank transfer. I have a tracing number and an electronic withdrawal reference number and an online XXXX  number. 
My bank shows that the transaction was processed, but the intended recipient says they never received the payment. I have contacted US Bank multiple times and they say because its over 90 days old they cant get any more information than they have provided me. 
The money was supposed to go to Eagle XXXX  for the dues that are assessed every year on the time share. Eagle XXXX  is located in XXXX Oregon and they say they never received the money. 
Is there anything I can do about this? Is there anyone that can help me determine where the money actually went?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my daughter transferred money to me via the CashApp. The money was never deposited into my account. I contacted the company via their cashsupport email address on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, they have not replied to any of my emails and the money was never deposited into my account. I'm will to disclosed my bank statement as proof. 
The money was transferred on XX/XX/XXXX @ XXXX. The identifier is XXXX. 

The money was transferred from $ XXXX and was supposed to go to $ XXXX. The transaction is showing up in the app, but the money never went to my account. Even after trying to do the 'cash out '.
Product: Credit reporting or other personal consumer reports

I am aware that a charge-off is viewed as a certificate of indebtedness, making it taxable income and eligible for removal from records. With this understanding, and considering the appearance of this information across multiple credit bureau reports, I seek assistance in reviewing my situation again. 
According to the Internal Revenue Service ( IRS ) Publication 4681, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the four major credit reporting agencies, which indicate a charged-off debt from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, totaling {$23000.00}. 
An authorized 1099-C form has already been submitted to the IRS, and I have copies available for verification. The amount listed on the form will be included in my income for the XXXX tax year. Therefore, the charged-off debt should be removed from the credit reports, as my credit history should not include income-related information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my personal information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX qualifies as a financial institution under this statute. 
Additionally, 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided consent for XXXX XXXX XXXX, XXXX, or XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any previous consent I may have given is now revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out. XXXX XXXX XXXX failed to inform me of my right to opt out. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit the furnishing of reports to specific purposes.Experian, XXXX, and XXXX are failing to maintain reasonable procedures. Under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I hereby choose to opt out.
Product: Prepaid card

RUSH CARD is a prepaid company that will pay you your check 2 days early.however I did not get paid two days early however when I did get paid they took XXXX from me which resulted in an overdraft charges to my other bank. I went to pay for food and the card decline after being told they fix the issue based off there website. I have tried to contact customers service and.after u press XXXX for.Customers service they disconnect the call.
Product: Credit reporting or other personal consumer reports

I made a payment of {$100.00} five days after my initial due date of XX/XX/XXXX to bring my account current, and the website confirmed that it was up to date. However, when I went to make my payment today, I noticed that my account showed I was 30 days late on a {$17.00} balance, which I wasnt aware of. Ive been a customer since XXXX and have never had a late payment. I contacted them, but they refused to make any adjustments, despite my long-standing payment history.