23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a credit file dated XX/XX/2022. The confirmation number is XXXX. I noticed fraudulent activity on my credit file. Equifax has allowed me to be subjected to fraud by allowing inquires that I did not benefit from to be reported on my consumer profile. According 18 USC 1028A these companies obtained and disclosed my credit report under false and fraudulent pretenses which constitutes identify theft. This type of activity is in violation of 15 USC 1642, USC 1681m, 12 CFR 1001 because I, the consumer, made an application in good faith, but no credit was issued. Furthermore, my social security was used and I received no benefit. This is proof of fraudulent activity unauthorized use of my credit card by the inquiries on my credit report.
Product: Checking or savings account

I have been applying for debt consolidation loan. I did an application via text and phone calls and was Approved, I signed a loan agreement and was disbursed my funds. I the was asked by said fund to transfer the funds to XXXX XXXX and send back. That raised a red flag so I called bank to close my accounts and flag account the stop any transactions. That was on XXXX/2024 around XXXX XXXX
Product: Debt collection

I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.
Product: Debt collection

I have asked Portfolio to validate the debt. The only THING they have sent me was some credit card statements that I do not reconize. Sending bank statements is not Validating debt. this is my last attempt to have this account removed off ALL my credit reports or I will be contacting my states State Attorney General
Product: Student loan

I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school.
Product: Checking or savings account

OnXX/XX/XXXX, Chase closed my account. They did not state any reason for the closure of the account, only that they were exercising their right to close any account at any time. I had a balance of XXXX in the account at the time of closure. I was told that once the account was closed, the funds would then be verified and i would receive a check in the mail of any funds left over in the account. I continued to call on a weekly basis. I was told the funds had been verified and the check was issued XX/XX/XXXX and mailedXX/XX/XXXX. I was told to expect to receive the check within 7-10 business days. i waited that amount of time and called back on XX/XX/XXXX. I spoke to an agent in the loss prevention team that the funds had not been cleared and no check had been issued. As of this writing, i have not had access to these funds at all. I have a mortgage and bills to pay and this issue is severely impacting my ability to pay all of these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft  payment but leaves a non-payment charge on my account untill the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The inquiries listed on my consumer report are inaccurate and were not authorized at the times the hard inquiries were made. I would like these removed immediately as they are not accurately being reported and they have had adverse effects upon my worthiness for credit and employment.
Product: Debt collection

Debt was paid in full with original debtor. After it was understood by all parties that the debt was clear I continued to receive letters to collect the debt.
Product: Checking or savings account

we have a small business account with td bank, Noticed a fraudulent checks been cashed not issued by us on XX/XX/23 for the dollar amount {$980.00}. They cashed a total of XXXX checks at XXXX different locations in XXXXXXXX XXXX, XXXX and XXXX XXXX. All checks were written and deposit by XXXX XXXX XXXX each checks for {$980.00}. I reported to my located bank and still having any resolution from the bank. I want to report to the federal goverment. 

please help us capture and stop the criminals behind these scams. 

thank you
Product: Checking or savings account

I tried to sign up for a checking account at Wellsfargo. The initial deposit was for {$500.00}. Wellsfargo then withdrew {$500.00} twice for a total of {$1000.00}. They then gave me two checking accounts. When I got the debit cards in the mail they said they have a XXXX dollar balance on them. I called Wellsfargo and they said that the accounts were canceled by them. When I asked them about the money I deposited the supervisor XXXX then said she can not see what I deposited and that they normally return money in 5 business days. I then pointed out to her that it's been over 7 business days. I asked her when I would get my money back and she said there is no time table when I will get my money back. I asked her if there was anyone in the entire company who could tell me when or if I would get my money back and she said there is no one that can. I also asked her for a ticket number or something I could submit about the dispute I am having with them and she said there is no documentation she could give me.
Product: Checking or savings account

I used Bank Of America to pay for my stay in a villa in the XXXX XXXX. This company holds an account with Bank Of America so I felt protected if anything were to go wrong. My first deposit was on XX/XX/XXXX in the amount of {$2000.00}, then my second deposit was on XX/XX/XXXX in the amount of {$6400.00}. I called Bank Of America and explained to them what happened and they said there was nothing they could do even thought it was from an account in their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
Product: Credit card

I paid off my chase united mileage plus card in full on XX/XX/XXXX and had a XXXX balance. On XX/XX/XXXX they charged me interest from residual balance even though i have a XXXX balance as of XX/XX/XXXX. I have not have this happen with any other card I have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my business account with Citibank, NA in XX/XX/2022. I deposited consistently into my account. In XXXX my balance was approximately {>= $1,000,000}. I proceeded to pay my vendors and withdrew for my payroll, etc. Citibank has placed a hold on my account where I can only deposit but can not withdraw due to a fraud alert. After verifying my account for the hundredth time, they absolutely can not remove the alert, although I went through ample verification process and everything should of been fine. After I gave them ample time to resolve whatever issues they were having, I proceeded to call them and they said they are in the process of closing the account and will forward my balance of over {$60000.00}. I called Citibank every week thereafter and even went into various branches where none of them can even locate my account. I continued to call and I get re-routed to their Fraud Department in XXXX somewhere, where hardly anyone speaks English. This has been going on for almost 9 months. Please help me retrieve my my money from this crooked bank and I will go my merry way. 
Thank you
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is now revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Cash App account compromised XXXX 2024, notified support immediately. Despite repeated attempts, unable to recover account or create new one due to alleged " terms violation" linkage. Cash App Support un helpful, providing runaround since XXXX Requesting assistance resolving account access and recovering compromised account.
Product: Credit reporting, credit repair services, or other personal consumer reports

eqiufiax is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Product: Debt collection

AmerAssist holds no delegation of authority to conduct business practices in the state of Louisiana where i reside. They have no current license or bond insurance with the State of Louisiana to collect debt or act as a debt collection agency authorized to do business in the state of Louisiana. i also do not consent nor contract to do any business with this company.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXX/XX/2023, XXXX XXXXXXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023
Product: Consumer Loan

I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and chex systems are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX, on chex systems XXXX  XXXX XXXX {$900.00} is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX, on chex systems XXXX XXXXXXXX XXXX {$900.00} the financial institution and the Consumer reporting agencies chex systems and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to chexsystems XXXX, XXXX, XXXX XXXX XXXX, on chex systems XXXX  XXXX XXXX {$900.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. " chexsystems XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

i applied for a loan and got denied access to my I respectfully request your prompt attention on the following inaccurate information on my credit report. the items is inaccurate and negatively effecting my credit. please reinvestigate this matter and delete and/or correct the inaccurate items. i respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. failing that, all items must be deleted.

its my understanding that under law you have 30 days from the receipt of this letter to verify. it should be understood that faliure to do so within a 30 day period constitutes reason to immediately delete these items from my credit report. { FCRA 15 u.s.c section 1681 ( 5 ) ( A ).
Product: Debt collection

XXXX XXXX, through its Collection Agent, Alltran Finacial claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, Alltran initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. Alltran refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) XXXX XXXX would " recall '' their file. 

Every effort was made to assist Alltran in confirming the arrangement in writing. An email initiated to Alltran memorializing the terms was not responded to. Alltran 's refusal to confirm terms of the arrangement are highly problematic.
Product: Debt collection

On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from Bank of America for a Signature Visa which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could Bank of America. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has corrupted my data not allowing me any method to sign in get my report or dispute. Yet, they send me messages to check my dispute. XXXX! " Sorry, but that didn't match up. Please try again. 
Date of birth XXXX Social security number. They can not find wothvny correct information