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

I contacted the Court and their response is that they DO NOTprovide any information to credit reporting agencies. 
If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have providedme letters that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
It is CLEAR that theBankruptcy Courts DO NOT report to any Credit Bureau, therefore the intital response Verifying the item with the Court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY withFCRA 611 ( 15 U.S.C. 1681I ) and the information MUST BE DELETED IMMEDIATELY. 
The Bankruptcy Courts have confirmed in the attached letters of their proceedures that they DO NOT report to the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

I have already sent a method to Verification to the Credit Bureaus asking them to Verify the debt and they have already stated the the item was Verified. 

Verify Account XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 


Name of Account - XXXX  Account Number - XXXX The Account also has multiple inconsistencies ( INCONSISTENT REF NUMBER AND NO CLOSING DATE ) ( COURT JURISDICTION DISCREPANCY )
Product: Checking or savings account

Logged into my online portal. 

shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' Called them 3 times but no-one is able to help resolve this. 

I can't access my money in accounts
Product: Credit reporting, credit repair services, 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 : XXXX 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

US BANK SENT MAIL AS I WAS ON VACATION AND FOUND NOTICES TO OPEN AN ACCOUNT DATED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

WHILE TRAVELLING I PRESENTED MY XXXX  DRIVERS LICENCE WITH A {$43000.00} CASHIERS CHECK. IT TOOK THIS WOMAN NAMED XXXX AT LEAST 20 MIN OF MY VALUABLE XXXX XXXX. VACATION TIME, TO ATTEMPT TO OPEN THE ACCOUNTS,,,,, AND WITH false information that the official cashiers check would need to be deposited and then she would be told that the XXXXXXXX XXXX CASHIERS CHECK MIGHT NEED TO BE HELD WITHOUT EVEN PAYING ME {$1000.00}. 

NOW HOW COULD A BANK EMPLOY SUCH AN XXXX XXXXXXXX? THE ACCOUNT WAS NOT OPENED WITH FUNDS BECAUSE OF THIS PERSONS IGNORANCE. 

I DEMAND TO KNOW WHY THIS WOMAN IS NOT INFORMED AND WHAT IS STATUS COF MY ACCOUNTS AS. I'VE BEEN ON HOLD ON THE PHONE THE ENTIRE TIME I TYPED THIS EWITH XXXX FINGER
Product: Credit reporting or other personal consumer reports

I have disputed a bankruptcy with the three bureaus in the past few months. 

XXXX has deleted it. XXXX and Experian continue to report the bankruptcy. I have disputed with XXXX and Experian numerous times. XXXX will not let me dispute the bankruptcy again. 

I reached out to XXXX XXXX and they don't have a bankruptcy listed. The bankruptcy is currently in dispute with Experian. XXXX continues to reject my disputes as of Sunday. 

This should not be on my reports because it isn't mine. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Fraudulently placed Fraud Alert without my consent and permission. Upon Fraudulently placing Fraud Alert, Equifax tried everything possible not to give my credit report. This is Fraud and Abuse by Equifax.
Product: Prepaid card

I received a {$250.00} American Express reward card for providing a textbook review. I used the card successfully once to purchase {$140.00} online. Since then, the card has been declined at every online purchase for less than the remaining amount and customer service has not been helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many letters to XXXX, XXXX and Equifax about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/year> my daughter went into navy federal credit union in XXXX XXXX  on XXXX highway between XXXX and XXXX ; XXXX to request her access number so she could began her online access. She showed her valid drivers license and was provided not her information but all my information illegally the young man working at the bank gave her my access code and all my accounts I have with them. He even gave her a temporary password to change my accounts. He violated my privacy rights and breach of contract She was not of my account and therefore not authorized to gain this private information
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX account {$51000.00}, paid off. 
2. XXXX account is not mines. 
3. XXXX account, not mines.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency : online information ser Address : XXXX XXXX XXXX XXXX, Nc XXXX Account XXXX XXXX XXXX Dear XXXX XXXX ser. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Vehicle loan or lease

This complaint is about Truist Financial I obtained a car loan through Truist after purchasing a vehicle. I elected to refinance the loan through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX provided me with a check to pay off the Truist XXXX XXXX. The check was received by Truist Financial on or about XX/XX/XXXX by tracked XXXX package. The loan then showed as having been payed off on their website. Apparently the check was rejected as per Truist about XXXX days later. I received no notification or any messaging regarding this. On or about XX/XX/XXXX, I happened to login to the Truist website and noted that the account was reactivated and had been accruing interest all this time with no notice whatsoever from Truist. I called them immediately and spent over an hour on hold on both occasions before being able to speak with someone. I was told that Truist would do research on this and determine the cause. I was told I would get a call in XXXX days. I never received a call from them. I called XXXX XXXX XXXX XXXX and they informed me that the check was rejected because Truist had not endorsed it as they should. I endorsed it on my end which was confirmed. Subsequently, I sent in another check from XXXX XXXX since the prior check was now null. On this occasion, once again, Truist rejected the check and once again did not endorse it. I have spent hours speaking with them on the phone with no answers or solutions. I am told they will do research but there is never any tangible result. They have refused to rectify their error or even discuss how to make me whole since I am still paying interest on this loan, which should have been paid off over a month ago, were it not for their error. I do not see how I will ever be able to pay this loan off and Truist is clearly scamming me to collect more interest income. They have been unhelpful and have lied to me throughout this ordeal. I am begging for your help
Product: Checking or savings account

I had my identity stolen. A bank account was opened under my name in Bank of America. I only found out when I received the email from such institution regarding a new account opened under my name. It was done online which anyone can do now. 
I went to a Bank of America branch to complaint about this account that was opened without my authorization. Now, I have my credit frozen with the three bureaus since 2019 so, how come Bank of America opened an account without a credit inquiry? When I asked them about it, they said that when someone opens an account online they just ask for the social security number but they don't do a credit inquiry, they just open the account. 
So, it looks like freezing my credit with the bureaus it is not a secure measure anymore, this action makes me feel totally vulnerable to scammers, since now they just need a social security number to open an account with Bank of America. 
Also, they said they couldn't give me anything on paper that proves that this account was closed and that I was clear from anything that could happen or charge this account. So, even today I don't have anything in writing from them stating that this fraudulent account against me has been closed other than the representative over the phone telling me " believe me, it is closed '' ... 
The last email I've received from Bank of America, was stating that my email address was updated and I was able to see the scammer 's email address which is : XXXX. 

Bank of America XXXX XXXX : XXXX Fraudulent Account Number : XXXX
Product: Checking or savings account

I made a mobile deposit of {$3500.00} into my Chase bank account on XX/XX/19. I received a message informing me that a 7 business day hold would be placed on the item due to information indicating the item may not be paid. 

I know that this is a violation of Reg CC. In order to place an exception hold on an item, the bank must have specific reason to doubt collectability. They did not contact my bank to verify funds. If they had, they would have been informed that the funds were available. I have no negative history with Chase ( returned deposits, NSF 's, etc. ) The check was made payable only to me and I endorsed the check properly. 

There was no legitimate reason to doubt collectability on this item. The hold was placed on my deposit arbitrarily, which is a violation of Reg CC. 

I contacted Chase yesterday to request the hold be removed. The customer service representative that I spoke to told me the hold could not be removed until the item posted, so I would have to call back the next day. But she told me she would put a note on the account that the funds should be released based on " my file ''. I called back the next day and got a different CSR. This individual acknowledged the note on the account stating the funds could be released, however she refused to do so. She said she needed to see if the funds had cleared first. She put me on hold, came back and said they had not cleared. She then said she would contact my bank to verify collectability ( proving that this had not been done prior to the hold being placed ). The bank verified the funds. Finally, she agreed to release the hold. 

The funds are now available to me. However, the fact that this hold was placed on my deposit basically automatically with no due diligence on the financial institution 's part, I believe this is a systemic issue and that other customer 's are being taken advantage of without realizing the bank is violating regulation. I believe this institution needs to be investigated for habitual violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1996 Last XXXX of XXXX : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

In  XXXX  of   XXXX   I received a letter from the Georgia Department  of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency. I recently observed that Experian is and has been reporting third party information as being valid on my credit file.   I have requested of Experian to Please validate this information with  XXXX   XXXX   XXXX   Court and pro vide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.   The information is not valid that is being reported on my Experian  Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Please delete from my credit report.
Product: Checking or savings account

Hello. Bank of America authorized a bill pay in the amount of {$22000.00} without notifying or my authorization to an unknown account at XXXX XXXX. This happened on XX/XX/2020. So I contacted Bank of America and started a claim with them but their initial response was that I was the one who initiated the transaction when I have never used online bill pay through Bank of America before. I mean usually when I make normal purchases, I will get notifications but I didn't even get one email, text, or call about this transaction. So they told me to contact XXXX XXXX which I don't or never had an account with them and as soon as I got in contact with their customer service, they called me by a different name. I don't remember the name but obviously someone had used my info and phone number to open an account. I explained the situation to XXXX XXXX and their response was that they couldn't give out any information without information or authorization from the account holder. So I called Bank of America and the said they would look into it. A couple of months go by and nothing happened. So I called once more and they directed me to another department, finance claims or something like that, they said the same thing and basically putting the blame on me and accusing me of making that transaction myself which I did not. I tried to contact them again multiple times and their response was always the same. So I contact my local police and made a report but they weren't any help at all. I did speak to a detective once and to this day I have not heard anything from them. I also tried to contact several attorneys about this and none of them would give any legit legal advice about how to handle something like this. After about year or so of dealing with it and getting nowhere with Bank of America, I closed all of my accounts with them and have just taken it as a loss because I could not get any help with this. Until a friend of mine who works in finance told me about the CFPB and said that sometimes you are able to help people like me. So please if you can do anything about this, I would be thankful. It was a lot of money that was taken from me at the peak of the pandemic. Thank you
Product: Credit reporting or other personal consumer reports

The following Account for Synchrony bank/PayPal for balance of {$2900.00} was disputed and still showing on credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was XXXX there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you
Product: Money transfers

We annually transfer a donation thru WesternUnion to the XXXX university in the XXXX XXXX. The transfer is made to a personnel acquaintance. This year when he went to pick up the money, the local agent took the transfer codes and indicated it would take some time and he should wait a few minutes. When he returned to the agent they indicated the money was not available. As the sender we received notification that the money had been transferred. 
We put in a complaint thru Western Union on the transaction failure. During the course of XXXX follow up telephone calls one of the Western Union agents admitted they were seeing local agents defrauding customers. However they would do nothing other than confirmation the transfer.