23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Certegy is a check cashing recommendation company.They alerted XXXX grocery store # XXXX on XX/XX/19 not to cash my check for XXXX. I had recently changed my account number because of a lost check. Since Certegy does not reference the old account to the new one my check writing history no longer existed and that it why they recommended not to cash the check. Certegy should be required by law to reference the change in account numbers as it must occur fairly frequently. Furthermore in this day and age it should be easy to electronically determine if funds are available in the account.
Product: Credit reporting or other personal consumer reports

I called to initial the removal of items from my credit report due to being a XXXX  XXXX. I was told i needed to submit documentation, and include all the required documents which i have attached.
Product: Credit reporting or other personal consumer reports

My credit report is showing XXXX bankruptcies these bankruptcies does not belong to me and never filed bankruptcy please delete
Product: Debt collection

Subject : Request for Removal and Correction of Inaccurate Credit Report Entries Dear Consumer Financial Protection Bureau, I am writing to formally request the removal and correction of inaccurate information on my credit report. Specifically, I am disputing the following : 1. Accounts to Be Removed : XXXX XXXX XXXX XXXX Account to Be Corrected : XXXX XXXX : Update and correct late payments to reflect Paid as Agreed. 
XXXX. Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I have no knowledge of these inquiries or their origin. Additionally, I have attached evidence confirming that I was a victim of the XXXX data breach, which may have contributed to these inaccuracies Im disputing the reporting of XXXX XXXX  on my credit report. As I am currently in active litigation with XXXX XXXX, per U.S. Code regulations, this account should not be reported until the matter is fully resolved. Furthermore, it should not be listed as a charge-off on my credit report. request that this account be promptly removed from my credit file to ensure compliance with applicable laws and to prevent further harm to my credit standing. Please investigate this matter and provide a written response confirming the corrective action taken. 
Under federal law, I have the right to have inaccurate, erroneous, or outdated information removed from my credit report. Upon reviewing my report, I have confirmed that the charge-offs do not accurately reflect my financial history. I believe these entries are the result of either a mistake or an oversight, and I respectfully request their immediate removal, as well as the proper update of my payment history to reflect accurate reporting. XXXX, XXXX, & TransUnion have all failed to properly investigate these disputed accounts and has continued to improperly reinsert them into my credit report. This violates my rights under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Failure to conduct a proper investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Violation of reinsertion protocol.

Additionally, these violations have caused me actual damages, for which I am entitled to : Statutory damages per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Punitive damages per 15 U.S.C. 1681n ( a ) ( 2 ) Actual damages for harm caused per 15 U.S.C. 1681n ( a ) Given these violations, I am requesting compensation in the amount of {$10000.00} for the damages incurred. Furthermore, I am demanding that this matter be resolved within 30 days, as is my legal right under 15 U.S.C. 1681i ( a ) ( 1 ). As Well As immediate deletion of all inaccuracies mentioned in this here letter.

Please provide a written response confirming the actions taken regarding my dispute. If this matter is not resolved appropriately and in a timely manner, I am prepared to escalate my complaint to the appropriate legal and regulatory authorities. 
I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX  FL XXXX XXXX, XXXX XXXX XXXX  FL 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 an 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: Credit card or prepaid card

I was previously charged unauthorized charges and card was stolen and you guys started the investigation I won the Dispute and was waiting for my new card and I called and they said it was closed on my request and I didnt request to get the account closed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blck , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These 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 a account without my written instructions.
Product: Credit reporting

The collection accounts on my report are medical and are using illegal balance billing especially on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit reports the company Transfinancial had placed two accounts in the amounts of {$940.00} and {$330.00}. Upon asking the company for validation of the account the company responded sending protected medical information. After further review of the information sent although a grave HIPAA violation, I also realized that the social security number does not match mine. The social security number is that of someone else and the accounts have been placed in error. These accounts need to be removed immediately due to this error.
Product: Credit reporting or other personal consumer reports

I would like reported accounts removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX BANK XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2020
Product: Checking or savings account

I am writing to report an unauthorized transaction that was processed using my debit card details. On XX/XX/year>, a purchase was made at XXXX XXXX XXXX without my knowledge or consent. The transaction amount was {$160.00}, and it was charged to my debit card ending in XXXX. I have not visited or made any purchases from XXXX XXXX XXXX, and I did not authorize this transaction. I discovered this unauthorized charge mere moments after it was processed, as a result of a notification that I received from the issuing bank associated with my debit card and checking account that listed the details of the transaction. I immediately contacted my bank to report the fraudulent activity and have taken steps to secure my account. I request that this incident be investigated and that appropriate action be taken to address this unauthorized transaction. The bank has now denied my dispute case on XXXX different occasions, however, the only documents that they are using to support this decision are the intake questionnaire document and the police report documentation that they requested I file. No documentation from the merchant has been provided by the bank.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX, On, or around XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX tax return of {$1000.00} & {$830.00}, respectively, went to the wrong Chase bank, checking account number as follows : XXXX XXXX XXXX XXXX XXXX XXXX Also, my IRS tax return from XXXX, which was routed from the IRS through XXXX bank in the amount of {$3300.00}, went to the same incorrect chase bank routing and account numbers as above. This XXXX transfer occurred on our around XX/XX/XXXX. Please note, I have called, sent return requests, filed claims and sat down with a few bank managers to get this matter resolved to no avail. All the proof is very evident that these are my funds and need to be returned to my account immediately with interest. This has been an ongoing and unresolved issue since XXXX of XXXX! 

Please note below the correct bank info., My info is below. 
My chase bank account number, which is where these monies should have been deposited is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Any other questions, please contact me via email, XXXX. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX, XXXX, XXXX. Equifax, XXXX. XXXX, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Credit reporting or other personal consumer reports

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance XXXX {$430.00} XXXX  Original creditor XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Product: Credit reporting

I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Repeated difficulty paying credit card lender after they closed my account, leaving a remaining balance to be paid. The lender provided false information over the phone stating I would receive paper mail with my account number to resolve my issue of paying online. I indicated multiple times my struggle of trying to make payment over the phone. Each letter I received never contained the correct information to allow me to reset my ability to pay online. This has lead to late payments from XXXX and XXXX I would like to have erased from my credit report history. I am current on all of my other types of loans, and this has been the only company I have struggled to make payments on. This is effecting my ability to buy a home. The company I have struggled with this problem is Barclays. I have also been transferred to a third party company that takes calls for the company that has resulted in misinformation trying to resolve my issues.
Product: Checking or savings account

PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. 

I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. 

He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. 

I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP
Product: Debt collection

On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of applying to an apartment, the landlord needed a credit report. 

I obtained a credit report ( 1 day old when offered ) and asked the landlord to utilize the report I'd provided to avoid a hard pull. 

The landlord insisted on using their own report, but reassured me that their company would utilize a soft pull only. 

I agreed to them obtaining a credit report on the condition that it'd be a soft pull. 

The landlord/company obtained their credit report, but at the cost of a hard pull. 

My score dropped 13+ points after a hard pull was made on XX/XX/19 without my permission.