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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : Account # : XXXX, All groups XXXX Account name : XXXX Account # 's : XXXX ) XXXX XXXX ) XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Original Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I did a maintence repair for a costumer and was payed with a check the information was not verify on the check and was believed to be fraudulent and as a result previous chase account was closed and I have been denied opening a new account at diffrent banks and branches
Product: Money transfer, virtual currency, or money service

I am writing to formally express My concerns regarding Zelle handlings of disputes, particularly in in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving us users vulnerable to scams.The lack of transparency and is unacceptable and raises serious concerns about my customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.
Product: Debt collection

The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.
Product: Payday loan, title loan, or personal loan

I have emailed them to tell them that to close my bank account after they threatened to take out wages from my paycheck. 
Today 's date XX/XX/2021. They dont have a court order.
Product: Checking or savings account

On XX/XX/XXXX, I tried to deposit {$5000.00} ( all {$100.00} bills ) into Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, WA ), but after I put the cash into the ATM, it showed " There are some errors with the ATM. The transaction couldn't continue '' and I got a receipt. I inserted the card again and wanted to resume, but the ATM said it could not work now due to some issue. 
I went to the nearby Chase branch immediately. Chase clerk XXXX helped us file the issue to the Chase system and promised I would get {$5000.00} credit on my account in XXXX business days. I got the credit 5 days later. 

However, on XX/XX/XXXX, Chase reverted a large amount of the credit- {$4900.00}, and sent me a letter that only {$84.00} could be honored. I went to the same branch on XX/XX/XXXX and asked for an escalation of the investigations, but XXXX kept the same response for the escalation. Also, I filed a complaint to XXXX 's customer satisfaction department. On XX/XX/XXXX, the XXXX XXXX department kept the same response for this investigation.
Product: Debt collection

Rent Recovery Solutions LLC debt collector. collecting a debt from XXXX XXXX XXXX XX/XX/23 owe {$6800.00} mailed to me on XX/XX/23. First time knowing this
Product: Credit card or prepaid card

Purchased a new living room sectional couch On XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX for the amount of {$2200.00}. Upon delivery the item being delivered was damaged. A replacement item was supposed to be delivered and an additional charge of {$890.00} was billed to my account 3 times. The Credit card company refused to refund the money to my account and provide a reasonable resolution regardless of the documentation and witnesses provided to substantiate my claim.
Product: Credit reporting or other personal consumer reports

OPEN DATE XX/XX/year> XXXX XXXX XXXX XXXX DISPUTE LETTER FOR INACCURACIES THIS CREDIT REPORT IS A VIOLATION OF THE FCRA1681EB.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account and I did not authorize it I would like this account removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new job offer XX/XX/XXXX and was told after my background check that unfortunately I did not pass the background check because of information on my XXXX report. 

I requested the report on XX/XX/XXXX and found that Bank of America reported that my bank account was closed for " suspected fraud activity. See below for the details of the report. 

I wrote a dispute letter to XXXX on XX/XX/XXXX and I got a response on XX/XX/XXXX from XXXX that the information had been verified accurate by Financial institution. They did not provide any details on the fraud that was perpetrated and all calls to Bank of America was met with numerous call transfers and them telling me that they can restrict or close your account at any time, for any reason or no reason. 

This information has prevented me from starting my new job and has cost me lost wages. I need help to fight this erroneous information on my report. 

Account Closed by Bank Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX Date of Closure : XX/XX/XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX
Product: Checking or savings account

Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.
Product: Credit reporting or other personal consumer reports

I got charged with a {$180.00} XXXX XXXX  bill and I never had XXXX  before.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Debt Validation and Deletion Dear Sir/Madam, I am writing to dispute and request the deletion of the debt reported on my credit report by XXXX XXXX XXXX. The details of the debt are as follows : - **Original Creditor : ** XXXX XXXX XXXX XXXX - **Account Number : unknown - **Amount : ** {$390.00} - **Reported Date : ** XX/XX/year> I dispute the validity of this debt and assert that it is not mine. Please provide the following information to validate this debt : XXXX. **Proof of Debt Ownership** : Documentation showing that XXXX XXXX XXXX has the right to collect this debt on behalf of XXXX XXXX  Loan. 
XXXX. **Details of the Debt** : A detailed statement outlining the original amount, any interest or fees, and the total amount claimed. 
XXXX. **Information from the Original Creditor** : Proof from XXXX XXXX XXXX confirming the details of the debt and linking it directly to me. 
4. **Account Documentation** : Records showing that this debt is associated with me, including account numbers and any transaction history. 

If you are unable to provide sufficient validation within 30 days, I request that you remove this account from my credit report and cease all collection activities. 

Please confirm receipt of this letter and your actions taken to resolve this dispute. I expect a written response addressing this matter promptly. 

Thank you for your attention to this issue.
Product: Checking or savings account

On XX/XX/XXXX, I checked my Bank of America mobile app and saw that fraud was committed on my checking account. The first fraudulent charge was for {$19.00} to XXXX XXXX for a monthly subscription. The next fraudulent charge was for {$3500.00} to " XXXXXXXX XXXX XXXX '' in XXXX XXXX IL XXXX 

I live in XXXX and do not have a car. I have never been to XXXX XXXX, nor do I have the means to get there. The night before the fraud, I was at a wedding rehearsal dinner and then the day of XX/XX/XXXX, I was attending the wedding. There is no physical way that I could have made these charges. 

I immediately called Bank of America to file a complaint and to cancel/issue a new card. I still had my debit card in my wallet and I cut it up & threw it away that day. Bank of America opened this claim number : XXXX. They issued me a temporary refund. 

Bank of America has since ruled not in my favor multiple times even though I have submitted evidence of where I was located on the night before the fraud and the day of the fraud. They have since taken away the temporary refund. 

I am unemployed and currently living paycheck to paycheck. I need help fighting this fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

I received a text on XXXX indicating that new Bank Of America Credit Cards will be shipped to me in XXXX  days. I never applied for new Credit Cards. I called Bank Of America and highlighted it as a fraud.
Product: Credit card

I coordinated a group trip and purchased ( XXXX rooms ) an all-inclusive vacation through XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a travel agency in the United States contracted to book as a representative of the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The dates of stay were XXXX XX/XX/23. My package included unlimited food & drink/ premium alcohol and numerous hotel amenities as a Delux Privilege guest, which I did not receive. XXXX  XXXX XXXX stopped all communication on XX/XX/23. Therefore, I refuted the cost with my credit company and was denied credit without explaining the services rendered. 

My complaint is to have the charge versed for an upcharge of non-existent privilege amenities, sewerage back-up and smell, lack of a/c, no room service, and non-use of the room due to the weather conditions. Additionally, I was relocated after 5 days of complaining to another room, which flooded twice, had drain flies and an ant infestation. 
The agent language provided after I paid does not absolve the merchant from delivering a paid service and keeping funds.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

An account that is closed can not be simultaneously past due, as closed accounts should not have ongoing payment obligations. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Credit card

On XX/XX/XXXX I received an email from Citibank telling me to use my inactive account before XX/XX/XXXX or they would close it. The account referenced ended in XXXX. I used this account on XX/XX/XXXX for a transaction in the amount of {$350.00}. Today I logged into my accounts and noticed that they closed XXXX of my other accounts! No warning, no email, no communication at all. When I called to discuss this issue, the first person lied and told me a letter was sent and a secure message- not true. I asked for a supervisor and he then told me it was because of the risk of fraud??? huh?? I've never had any unauthorized charges on my account, nor have I had any late payments. I have XXXX Citibank accounts all in good standing. This unwarranted closing of my account has reduced my unavailable credit by {$16000.00} and looks bad on my credit report. They told me they can reopen it but it would require a credit check and that is NOT FAIR to ding my credit report when this is on them. It seems they made an error in closing this account- I want it reopened but DO NOT want them doing any more credit checks! Also, this person I spoke with was very rude to me- his name is XXXX, ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Checking or savings account

On XX/XX/2022 XXXX XXXX XXXX attempted to deposit XXXX $ into my USAA checking account from a XXXX XXXX ATM, when the machine malfunctioned and powered off. XXXX XXXX  team members were able to verify this occurred via video footage. In addition it can viewed that I had {$1000.00} to deposit, and entire deposit went into the XXXX XXXX ATM. 

The branch manager sent a letter as a transaction record in lieu of an electronic record of deposit.

USAA has not cooperated in the ATM deposit attempt, and has not attempted to resolve the situation. Currently have been waiting 3 months to receive my funds, USAA has given no feedback whatsoever.
Product: Money transfer, virtual currency, or money service

Binance wants to cash out my money however does not want to let me into the account by using my new number instead of my old number. This should have been verified by social security. Binance will be gone in ohio due to regulation issues. IF this is the case let me have my money or write me a tax write off.
Product: Checking or savings account

A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking. 

The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close. 

This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again. 

Apparently the case was denied and closed!! 

Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday.

So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath. 

I would like the money to be returned to our account immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, {$15000.00} was stolen from me by fraudulent methods through the Bank of America in XXXX XXXX. I wired funds to that bank as payment for a car that was to be delivered to me in Virginia. No car was ever delivered and the parties I was working with to complete the transaction no longer exist. I am attaching my original complaint form that I submitted to the XXXX XXXX XXXX XXXX  ( XXXX ) in XX/XX/2021 that has all the details of this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC, XXXX Credit Bureau, and XXXX  Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC, XXXX Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.