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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). 

If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX XXXXrue, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity was the only account which they closed it and sold it within 30 days I have never been late when I was aware of the situation I paid it in full credit report is reading failed to pay still two years later which is completely wrong credit once if theyre not reporting this I sent them another letter the other day I have sent him several and they said it would be removed they sold the debt debt collector shows it painful I do not have all the information about the fraudulent activity as XXXX XXXX does
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled/paid a charge off with an collection company for comenity cb/ my place rewards and comenity refuses to update the status of the account along with the comment. Status of the account should state ; current. Comments should state ; paid as agreed or paid in full for less than full balance. Ive tried to dispute the account multiple times and Ive tried to contact, but Comenity refuses to talk to me. Comenity states that they dont own my account, but refuses to remove it from my report or update it. Ive also wrong a goodwill letter and was ignored ( XXXX ). 
Payment made : {$170.00} Account satisfied on : XX/XX/XXXX Original creditor : Comenity Capital Bank Debt collector : XXXX XXXX XXXX. 
XXXX stated that they would request for the tradeline to be removed from all three credit bureaus but Comenity refuses to remove or update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX, Transunion and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number.

Lexis Nexis was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ).

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from M & T bank has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Leased a XXXXXXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Returned the vehicle on XX/XX/XXXX. However dealer reported my return date as XX/XX/XXXX. Ally wanted XXXX. XXXX from me. Called Ally lease collection and provided the odometer reading slip, XXXX plate slip, etc to show the vehicle was returned on time. From XX/XX/XXXX to XX/XX/XXXX, emailed and called Ally lease recovery person XXXX many times. Each time she promised to solve the problem with a couple of weeks. Yet problem was never solved and they just sent me a letter and threatened to damage my credit. 

Documents were first provided by wife, then by me. Then they wanted the dealer to submit it. Dealer confirmed submission to the remarketing team. XXXX never replied any email, and said she does not work with emails. I called and got lies and empty promises. All email correspondence from day XXXX with XXXX and XXXX XXXX XXXX are available. 

Account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid as settled. They continue to report the payment status as a charge off every month Shows XXXX charge offs.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with XXXX, XXXX and XXXX. My letter included the appraisals, emails, letters from attorney, etc. 
XXXX agreed with the company after a 10-day review. XXXX did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to wade through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( 2 ) I attempted twice and was given exactly the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, Experian, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX20, there was a fraudulent loan account created on my credit which I never involved with. The company call Regional Finance contacted me a few months ago regarding the loan check they issued to my old address. I told them that Im no longer residing at the address XXXX XXXX XXXX XXXX TX XXXX. And Im not going to responsible any actions that they have been fraudulently doing without my consent.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to mobile deposit a XXXX XXXX XXXX payroll check in the amount of XXXX, into my Bank of America Checking account. I was assured when calling Bank of America that funds would be available the next day after XXXX. The next day the funds did not show. I called Bank of America again on XX/XX/XXXX and was told there was a 9 day hold on my deposited funds. I have no funds available and my entire pay check is being held. The second rep I spoke to on XX/XX/XXXX, advised me to commit fraud and attempt to cash the paper check even though I had mobile deposited it and was told they could not cancel a deposit. After speaking with a supervisor I was informed that they would NOT call and verify payroll funds with XXXX XXXX XXXX and I would just need to wait for the funds to release over a week later. My check was deposited XX/XX/XXXX and I'm told it won't be available until XX/XX/XXXX. The check plainly says Payroll. 
This is my rent, my electricity, water, and my cable all LATE by a week because they don't want to call. Then you advise I commit fraud? Really?! Something has to be done to release my funds. I will loose my home. 9 days is too long when the telephone number to verify is printed on my payroll check.
Product: Checking or savings account

My cell phone had been taken in the early morning hours or XX/XX/2023. Later that same morning my brother came by to let me know he had sent a transfer to me via XXXX XXXX. I dont have an extensive history in using XXXX XXXX  but my brother had helped me set it up and I knew I would receive the payments into my Capital One account automatically. Upon his leaving I began getting ready to head to work when I noticed my phone and wallet were missing. I went in to work a bit stressed at having neither of the items. I get to work and log into the Capital one site, only to see that what should have been a balance of {$1300.00} had in the course of a couple hours was showing a balance of NEGATIVE {$3600.00}! 

I got light headed and dig deeper into the transactions. I those couple of hours the person who had possession and control of my device had XXXX {$190.00} transactions to XXXX XXXX and XXXX {$190.00} transactions to XXXX XXXX, then processed to shuffle the money through various Third Party XXXX apps. In XXXX case even using my stolen identification to open accounts in my name to shuffle this money back and forth to create one of the most confusing digital trails Id ever seen. Lin a few instances even moving money back into my Capital One account then back out and even used the mobile app to pay my Capital One Credit card bill. At no time did internal bank controls block these transactions or notify me.

Capital One should make me while under the EFTA as I was defrauded. They will not.

Please help as I am only 1 person bs large bank who think they do t have to follow the law.

I am in dire financial straits as they not only want ME to bet this overdraft but have reversed LEGITIMATE transactions I made and never one of this aforementioned {$190.00} FRAUDULENT charges. This has made me have to not only repay merchants but also late fees and return payment fees. I followed Capital Ones dispute process only to have them deny my claim and provide me with a 1/2 page PDF document saying they were denying the claim.

I sit here tonite awaiting the reply to the rebuttal I had made to the first dispute. I must tell you that my hopes are not high. They dont want to admit that their internal controls failed me. And that they failed me. 

Please help me in forcing their hand into doing what is just and fair.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

XX/XX/23 I called US Bank to notify them I had lost 4 checks. The representative stopped payment on a check amount as opposed to closing my account per policy. They allowed a check to clear on XX/XX/23 for {$6500.00}. I called back in and started a process of fraud. They acknowledged the original representative did not follow procedure and said they would apply provisional credit for {$6500.00} while its investigated. Never received credit. I was evicted due to this issue and forced to live in my car with my children. A back office supervisor got involved and stated they would either credit my account, allow my to overdraw my account, or provide an interest free loan. None happened. I was homeless. Contacted US Bank almost daily since. Still no resolution after several broken promises. Still have not received credit for their error even after it was acknowledged. US Bank closed accounts and cancelled debit cards on several occasions, without notification and left me with no access to my funds. Im told constantly to be patient and the longest it would take is 90 days per policy. Past 90 days. No resolution. No further help. Hung up on XXXX times since XXXX. I need help. I have documented all correspondence with US Bank since they allowed my check to clear. This acknowledged error by US Bank has caused financial devastation and severe health problems from stress by broken promises and negligence.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.
Product: Bank account or service

This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.
Product: Student loan

Navient has been overcharging me for years now. They refused to assist me in lowering my student loan payments and I had to default on my loans while in XXXX and XXXX XXXX After my father passed away ( he was paying my loans ), I was unable to make payments and they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below credit inquiries were done without my consent and are unauthorized and try to dispute direct with Equifax and they did not remove. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My daughter and I were purchasing a house. On XX/XX/2018, the closing attorney requested a wire transfer in the amount of {$28000.00} for the down payment. We went to our local XXXX XXXX branch. At the time we were negotiating the wire transfer, my daughter presented a new set of instructions she had received. The bank associate executed the wire transfer without verifying the information. Within two hours we became aware that it was a fraudulent set of instructions. We immediately went to the branch and were told there was nothing they could do to stop the transfer. They would report it to the Fraud Department. A week later the XXXX XXXX Fraud Dept. called for details. In the mean time, we reported the fraud to the FBI and the XXXX XXXX Police. A detective at the Police Department called a contact at the Discover Bank and immediately got the account frozen. At that time there was still approx. {$21000.00} in the account. It has now been 10 months and I can not get the Discover Bank to give me my money back. I call XXXX XXXX and they say Discover Bank has not sent them anything. I called Discover Bank and they won't talk to me, so I got the closing attorney to call and they told him we have to go through XXXX XXXX. Why can't I get my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Monitoring, shows two accounts that have been paid off since XX/XX/2019 still open and are in a derogatory condition which is not accurate, with collection agency XXXX XXXX, I have documents that follows this complaint showing that I Paid off the two accounts one is with the original creditor XXXX XXXX {$2500.00} and the other original creditor is XXXX XXXX XXXX  of {$460.00}.
Product: Credit reporting or other personal consumer reports

There is a field credit inquiries what should I be on my credit report? I do not recognize the high need them to be removed as soon as possible
Product: Debt collection

Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.
Product: Debt collection

Company has been requested to send all contractual agreements and debt validation. They have been asked to cease reporting until all compliance is met with the original debtor. They are still reporting and this is an inaccuracy. Another cease and desist has been sent today via certified mail
Product: Debt collection

Date opened says invalid on credit report. 
When was in college I filled out an application for residency so I would have somewhere to stay. The place applied to sent me a lease and move in date. I never wanted to move in. I jist wanted to tour it and decide. 
Next thing I know I have a lease, move in date and I never once stepped foot on the property or wished to be a tenant. 
I reached out and received hatred and no help and they sent this mess to collections. So either someone used my information I applied with or I was wrongfully charged.