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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On or about XXXX XXXX XXXX, TransUnion has reported that I have an alleged {$11.00} unpaid amount owing to XXXX XXXX ( formerly known as XXXX ) -- from XXXX! My account status with XXXX is excellent. My account is current ( I am on the XXXX billing plan ) and has been current since at least XXXX or XXXX. 
This " {$11.00} balance '' has SEVERELY affected my TransUnion credit score : it lowed my score by XXXX points! 
Furthermore, I spent close to XXXX minutes on the phone with XXXX XXXX today, XXXX XXXX XXXX. The agent found NO instances of me owning them anything, even using past addresses and my social security number.
Product: Mortgage

Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.
Product: Checking or savings account

I opened a bank account with Ally bank on XX/XX/2018. That same day, I deposited a check from my employer into the account. The check went through and the money was available. On XX/XX/XXXX, my account was locked. I hadn't spent any money or messed with the account at all. I called the bank to figure out what was wrong. An agent asked me to email my passport and a utility bill to XXXX. I sent this information on XX/XX/2018 which was the next day. 
On the same night of the XXXX, I received a phone call from a woman from the bank. She said that none of my information was able to be verified. I was confused and ask why? She said she was unable to answer the question and just that they have their own ways to verify and that my documents were not good. I was still confused and pressed why and asked what I could do. She said I could send in more documentation. While I was preparing to send, I was still very confused about my passport not being good as I have traveled with it and used it for ID many times. After going back and forth, I asked if I could just somehow get my money out. She quickly put me on hold and came back to tell me she has decided to close my account. I asked why she called for more documents if she wasn't giving me a chance to even submit them anymore. I asked if there was any way to keep it open. She said no and this was just a courtesy call to tell me they were closing the account even though she started the call asking for more documents. 

I asked how I would get my money which was XXXX {$4800.00}. I had no fees as I had never used the account yet other than depositing my check. She said I would not get my money back. 

This is the start of my complaint. Why will I not get my money back? She says the bank will give my money to my employer and it is up to them if they want to give it back to me. She said the bank is not responsible to give me my money back. I asked if she could email me some documentation that I could show to my employer to prove that my money was sent to them but she said no. I asked if I could have anything written to prove this conversation happened at all, she said no. 

This is a lot of money for a bank to just take, or to give back to my employer with no proof that they gave it back or that my employer received it. 

I was under the impression from my limited research that when banks close accounts, they must return the money minus any fees to the account holder. I didn't owe any fees, so I think I should be returned my money in its entirety. 

As of now, the bank no longer answers any emails I send and the customer representatives say my account belongs to a woman and I can only talk to her about it. She does not answer the phone and voice mail is not available. 

They have locked all access to my account so I have no way to access any statements or account numbers. All I have is the original check that I deposited and the emails the bank sent me.
Product: Money transfer, virtual currency, or money service

I received a text message on XX/XX/XXXX indicating I had authorized a XXXX payment to an unknown party for {$3500.00} from Bank of America and to reply NO if I had not initiated that payment. I replied NO and received an immediate phone call from Bank of America indicating the payment needed to be reversed through XXXX by sending the funds back to myself. The Bank of America representative walked me through the process. The total amount of {$3500.00} was transferred out of my account on XX/XX/XXXX and I called Bank of America who informed me it was not them calling although the number matched their customer service number and they took a claim from me. They said it could take up to 90 days to research. I called back around 45 days and they said they had not recovered any funds and then I called back XX/XX/XXXX and they said there was a note on XX/XX/XXXX that they were trying to recoup funds from the other user 's bank but no one called me and informed me of the update. I filed a complaint with the FTC on XX/XX/XXXX. I have attached the emails I received confirming the transactions and indicating they were from Bank of America. I have attached several news reports of the exact same situation for which all of them were initially denied by Bank of America and the consumers were refunded per Regulation E once a media source became involved. I have not involved the media.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. S 1681i ( 7 ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX This account has been deleted transunion and XXXX but still remain on XXXX XXXX XXXX XXXX They are not licensed to collect in XXXX  XXXX XXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX They are not licensed to collect in XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am enclosing a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX I was billed for an ambulance ride. I didnt know i was billed because I was homeless and didnt have an address to send it to. I had XXXX insurance at that time and was still billed to a previous address ( apparently ). When the debt collection agency contacted me in XXXX I told them I had insurance at the time of the accident, and they said it was too late now to settle the debt with insurance information. The original creditor is XXXX, XXXX business Factor is the collection agency. Original balance from XXXX XXXX was XXXX XXXX as of XX/XX/XXXX the balance is XXXX XXXX
Product: Bank account or service

Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that when I have disputed debts with Trans union, XXXX, XXXX XXXX I put in a dispute, no answer from either company nor response. Or say that they have verified that the debt was mine without sending proof. And my credit isn't being updated lime it should be
Product: Credit reporting

There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the current unauthorized hard inquiries that are listed on my Experian credit report. These hard inquiries do need to be removed from my credit report. ( 1. ) XXXX XXXX ( 2. ) XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.
Product: Checking or savings account

I have checking and savings with bank of america and about 3 months ago i was going through my online checking and saw XXXX debiting my account {$14.00} month and a XXXX XXXX XXXX a vitamin company debiting my account for@XXXX and XXXX month so i called bank of america and opened a dispute for theses transactions. upon talking to the bank these companies called a third party told them i had a contract with them and had been taking money out of my account for a year, during that one year period i changed by debit card twice and was baffled as to how they kept getting into my account and the bank disclosed to me that they were re-setting themselves up with the XXXX/XXXX people everytime i got a new card. Needless to say i was livid. i do have an XXXX   and XXXX account, however, i have never bought an app or music to warrant $ XXXX monthly from them and of course it is impossible to call them. XXXX the vitamin company was a free trial only and then they latched on and started sending a ton of their vitamins to me which i already called and canceeled several times. Of course the bank declined my dispute with no clarification as to why and it is unacceptable my hard earned money of about {$700.00} to both of these crooked companies should go unpunished and not returned to me. Neither company has anything signed or approved by me for these charges and it is wrong for anyone other than me to give them access to my money. I had to block both of them from my account to stop having them get to my account. Someone needs to stop this ridiculous interlocking corrupt commercial system where they can just call their buddies and get free rides to other peoples money. i tried to get their checking account information and not one person could give it to me, so how is it so easy for them to get mine?? If you could possibly help me to get any resolution on this matter at this point, i would be grateful. Thank you, XXXX XXXX XXXX
Product: Debt collection

On or about  XXXX ,  2017  I was informed that I had to appear in court on  XXXX   XXXX ,  2017  to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company  Calvary SPV I LLC and a ttorneys  XXXX ,  XXXX  and  XXXX  knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.
Product: Checking or savings account

I run a small business as a windshield installer and I recently got a new client XXXX XXXX XXXX and everything went well he gave me a check XXXX and I deposit it into my account with chase bank on XX/XX/XXXX the fund were into my accounts. On XX/XX/XXXX I woke up with a negative account and the money was withdrawn from the check. I contacted the company he got aggressive and told me to call the cops that they will not help me. On XX/XX/XXXX I made a police report. On XX/XX/XXXX I went into chase to speak with a representative to see what they could do they said they wouldnt be able to help me. Still waiting to hear back from the Police. They insisted to try to resolve the issue peacefully but I invested about {$350.00} for the windshield itself and plus materials and my work. He couldve called and said he didnt like the work we couldve fixed it but he chose not to and just bounce the check without consulting first or making a complaint.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all credit reports and there is no known address or phone number to contact this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and Experian Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for XXXX and Experian to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect XXXX and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called XXXX XXXX XXXX, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, of which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
XXXX claims that all conversations are recorded when calling, so if a serious investigation was done by XXXX and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But XXXX and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), XXXX and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by XXXX XXXX XXXX, as a consumer, that if I did such and such I would not be charged with a late payment, only for XXXX to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that XXXX and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the Experian credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such. 
The Experian credit bureau must do a real investigation into Consumer 's case and remove the late payment.
Product: Checking or savings account

My CD was due to mature on XX/XX/year>. On XX/XX/year> I contacted CIBC to ask for the procedure to have the funds transferred to my account at the XXXX  XXXX XXXX. I submitted all the required information on CIBC website on XX/XX/year>. On XX/XX/year> I had to call asking for the status of the transfer. The XXXX told me my request was going to be " expedited to the back office and someone would get back to me ''. I never received a call. On XX/XX/year> a XXXX XXXX called and left a message saying someone from their wire department was going to call to get the wiring instructions even though this was all provided by me in my submittal to CIBC on XX/XX/year>. Again, nobody called. I called XXXX XXXX back on XX/XX/year> and she promised that someone would call. Come XX/XX/year> and still no calls. I contacted the bank again on XX/XX/year> and the XXXX said they were going to look into it. Finally, someone from the wiring department did call and I had to provide the bank information all over again. I even had to tell them how much the amount was going to be transferred. Shouldn't the bank know how much money that they owe me? 
This is one of the worst experiences I had ever encountered with a bank. My gut feeling is they were hoping I would give up and let them keep my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and his illegal DOGE " department '' gained access to my student loan information without clearance or express permission. I no longer feel secure that my data is protected and the contract surrounding my loans has been breached in this action. 

This fraudulent access puts every borrower at risk of adverse events and needs to be dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) pulled a hard credit inquiry on XX/XX/2022. Ive never applied, customer service has hung up on me 3 times when i called to inquire who, what or why the inquiry has been made to my credit
Product: Credit reporting or other personal consumer reports

I reached out to Experian multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. Experian does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need Experian to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXXXXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.
Product: Mortgage

My mortgage was sold and is now managed by LoanCareXXXX . I paid every month and early. Their system misapplied the funds. They have proof of all payments and can easily see that the payments were early. However, while it was under investigation, they submitted to all the credit agencies that I was late on my payments. They did not notify me of this submission until after, no warning whatsoever. They have the money, yet continue to report to the credit agencies that I am late on my payments. I have tried to work with them multiple times, and continue to be told that it is fine. However, my credit keeps going down because of their mistake. They refuse to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Original Creditors Name : XXXX XXXX XXXX XXXX. XXXX  ( XXXX XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.