23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITAL ONE BANK XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, Mon. about XXXXXXXX XXXX. I opened up mail at my home to find out a secured credit card had been requested in my name and {$500.00}. was debited from my checking acct. I immediately got on the phone with the bank, and on hold, I discovered my e-mail was compromised, over 15k e-mails. Then I still was on hold and accessed my on-line bank acct, to find out there was a wire transfer ( also unrequested ) that was PROCESSING. When the Rep. answered the phone I told her that {$1000.00}. was PROCESSING, I had to hang up and withdraw my money. She said, let me help you, by the time you get to the bank, it will be gone. I told her You don't understand, I did not authorize it. She said she would take care of me. I have spoken to numerous people over 24 bank people in the following 48 hours. It has been a month and I STILL have yet to see m {$1000.00}. The bank did put back my secured credit of {$500.00}. and cancelled the card. That is it. They denied my claim, even thought they said it was sent to XXXX in XXXX XXXX 's name. I never was informed my case was closed, now they tell me the e-mail was sent to my work e-mail which I never provided. I had to reopen the case. I want help in this fraudulent action against me. I also have filed a police report. The claim is XXXX at B of A.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
Product: Checking or savings account

Dear CFPB XXXX, have a money market account with Goldman Sachs Marcus. The account number is XXXX. This account is intended for saving purposes and not a credit card or checking account. XX/XX/year>, I noticed debits from XXXX XXXX checking accounts ( personal and business ). The business account number was not linked to Goldman sachs, so this was very questionable. My XXXX  accounts show Goldman sachs debiting these accounts odd amounts. A XXXX representative advised me that Goldman Sachs attempted to debit the business account in the amount of {$10000.00} in XXXX but it was rejected due to insufficient funds. Then in XXXX, my XXXX checking accounts were hit over and over again. I filed claims, placed alerts on my accounts, and closed the accounts. On my XXXX transaction history, it shows the debits were Goldman Sach 's collections. I don't have credit accounts with Goldman Sachs. I contacted Goldman Sachs who advised me they see the transactions but couldn't discuss with me. My online access was also blocked. Goldman reps told me management must review. This is still is not resolved. My Goldman sachs account is negative which makes no sense. I am attaching the statements forwarded to me. My balance should be {$10000.00} per the XXXX statement. I filed verbal claims with Goldman sachs. This issue began around the time my business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included a business XXXX XXXX card. THe XXXX  card was included in the XXXX XXXX. However, it appears Goldman was deducting monies from XXXX different XXXX accounts citing " XXXX  ''. I have no doubt Goldman took my $ XXXX to provide to XXXX. My XXXX XXXX  card debt was $ XXXX. 
Goldman printed a fraudulent transaction to and from a closed XXXX account. I could not transfer {$2500.00} nor withdraw {$2500.00} on an acct which closed on XX/XX/year>. 
Please see the XXXX  statements and evidence of account closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.
Product: Credit reporting or other personal consumer reports

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. Verification of Collection Entry : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. I already removed fraudulent inquiry this company had no permission to pull. I will be filing a lawsuit against company. This company needs to follow guidelines of the ftc. Reporting incorrect balances and also illegally pulling credit. I know my rights and guidelines when it comes to collections illegally reporting and inaccurately reporting false info. You have to get my written approval to pull credit. I will constantly make sure i will keep pressing on this issue until this is removed since it was already removed and and now currently reporting. Also you have to verify information regarding this company has not provided information. I will make sure this company will be on the block list. This company already has complaints regarding illegal reporting. I will certainly make sure this company is completely block for neglecting to provide any information to verify accurate info. I will keep sending complaint until this is removed thats why you keep getting the same duplicate complaint. If you dont remove I will constantly send one.
Product: Checking or savings account

On XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX sent a one time ACH authorization that said it was signed by XXXX XXXX XXXX. I have a copy of a fax from XXXX XXXX that was sent on fax server XXXX. I can you the copy. It's very hard to read but it did come from your bank. I received a copy of this fax from Capital 1 Bank where I had savings accounts. The money was withdrawn for {$280000.00} on XX/XX/XXXX 

To this day almost XXXX months later, Capital 1 has been of no assistance. They say they have proof from XXXX XXXX that I authorized the withdrawal of the money. I have never had an account at XXXX XXXX. I don't even even know where it is located or know anyone who uses XXXX XXXX 

I am asking your fraud department to help me because Capital 1 isn't. I think you have to do you research on where the fax came from and who authorized it who sent it apparently someone in your bank did this ACH.
Product: Mortgage

I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?
Product: Mortgage

Dear Officer of Consumer financial Protection Bureau : I am writing you this letter regarding my current Mortgage Service provider Select Portfolio Servicing , Inc. For past few months, I have tried resolving the repayment plan with Select Portfolio Servicing , Inc. , however they are unable to resolve the issue and they are not giving me any reason at all. I asked for loan modification and I was informed by my case manager that Select Portfolio Servicing , Inc. does not participate in any government program. Recently, one of their operators accidently told me that they are in process of selling Select Portfolio Servicing , Inc. to a company called XXXX XXXX XXXX and they are working with anyone on any plan. I was informed that, it will extremely hard to get a correct answer from anyone as employee are looking for jobs elsewhere. This is totally unethical that they do not follow government based load modification program and resist to provide any assistance to consumer. Select Portfolio Servicing is totally out of compliance with government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XXXX, XX/XX/year>, XX/XX/year> Dispute papers asking to verify the following information on accounts : the name of the original creditor on accounts, the address and phone number of the original creditor, the name of the person at who you verified the dispute with the original creditor, the documentation used to verify the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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, credit repair services, or other personal consumer reports

I have two issues to deal with I hope you can help me with. The first one is with XXXX XXXX XXXX. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report.

My second one is with lexisnexis. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report
Product: Money transfer, virtual currency, or money service

XX/XX/21, did a wire transfer from XXXX XXXX acct XXXX to PNC bank acct XXXX. This was for the purchase of a classic car. The car was fake and I tried to get wire transfer cancelled/ reversed without any luck
Product: Payday loan, title loan, or personal loan

I apply for an on line loan with Lending Club and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 3 years with a balance owed XXXX. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date. Sent a Validation of Debt letter XXXX XX/XX/2019 to date never received payments paid should reflect 30 payments at {$980.00} last payment being credited XX/XX/2019. Note I was never offered " Lending Club to Beta Hardship Plans for Borrowers ''. I feel after having a strong payment history the representative or a manager should of made an attempt to assist me with their Hardship program not wait 120 days and make the loan a Write Off not allowing a payment plan they outsourced to collection agency XXXX XXXX that was unable to answer my validation letter under the Fair Debt Collection Act providing payments made and what is owed and to seize and persist all interest owed until investigated. This borders extortion to pay the debt what we say it is without a proper validation requested missing my 30 payments on the returned validation from XXXX XXXX. Any Judge in Virginia would concur this is not good business practice for a consumer undergoing a hardship or life experience. Just to provide a copy of an agreement and not meeting the validation letter request is concerning.
Product: Credit card

Concora Credit Inc. has a monthly fee of XXXX being charged to my accounts in addition to the yearly fee of XXXX. The credit limit of the card is only XXXX, the monthly fee and yearly fee combined at XXXX is over a 25 % limit of fees at this credit limit and amount charged. I called and spoke with XXXX reps about it and they said its in the terms and conditions, but i was unaware the fees were that high.
Product: Vehicle loan or lease

My usually monthly lease amount that get deducted is XXXX. But on XXXX, they deducted XXXX without any explanation etc. its autopay. I want to know the reason and get refund of rest of my money
Product: Checking or savings account

These events take place within the last 8 days and is still ongoing : XX/XX/2023, and XX/XX/2023. 

My Chime account was " suspended '' on XX/XX/2023 for suspicious activity after depositing my XXXX US Federal Income Tax Return. Upon this realization the following day, XX/XX/2023, and after speaking with customer service I was instructed to email a list of documents to prove my identity and the legitimacy of the deposit as well as an explanation for the deposit. 

I have since spoken to customer service twice in the last week, given support ticket # XXXX, and have sent the following documents ( for which I have received no confirmation of receipt ) : 1 - Medical Bill ( Proof of Address ) 2 - Government Issued Photo ID ( Drivers license ) 3 - Photo of me holding physical ID 4- United States Passport 5- Letter from IRS to me, stating Tax Refund amount that was deposited 6- Letter from IRS to my spouse, stating Tax Refund amount that was deposited On all 3 occasions after contacting customer service, I was told that I would receive notice of a review being completed within 24-48 hours. It has been 96 hours since the first time I was told that. The last time that I spoke with customer service, yesterday, I was again told that I would receive notice within 24-48 hours.

It has been 8 days since access to my account and primary source of funds was suddenly terminated. This has obviously created an emergency situation for myself and my family, and I am desperately seeking assistance to resolve this problem. I have complied with everything Chime has asked of me with patience and understanding.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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Product: Credit reporting or other personal consumer reports

Requested immediate removal of unauthorized inquires pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for Chex Systems records. Details of an unauthorized inquiry on my consumer report for removal : 1.Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Number : XXXX Inquiry Date : XX/XX/year>
Product: Bank account or service

When checking my Saving Account at Wells Fargo, I noticed our account was Hacked. 
I have been trying to resolved this issue, with Wells Fargo Fraud Department for ( 2 ) weeks now. I keep telephoning and no responds, seems like they do n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Describe what happened, and well send your comments to the companies involved. XXXX XXXX and XXXX/XXXX. 

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX/XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX
Product: Debt collection

LVNV Funding LLC which I never signed a contract with and I am not sure if this a compnay trying to scam me. I did send them a letter asking for the debt to be validated but have not heard anything from them. I also asked them to remove this from my credit report.