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

On XX/XX/2019 I have scheduled one transfer to my account at XXXX XXXX XXXX  at {$19000.00}. Unfortunately what transpired was three transactions ( two unauthorized ) listed below including trace codes, : 1 authorized : ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX XXXX below unathorized ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX ACH Debit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX The problem with this set up is that the transaction repeated multiple account automatically flags the account for account surveillance and resulting in problems associated with the account going forward. Chase Bank denies that three transactions took place regardless of presented evidence alleging only one took place, their response below : We only show one transaction Dear XXXX XXXX : Were writing about your email, which we received on XX/XX/2019, about the unauthorized transactions for your savings account ending in XXXX. We confirmed there was only one transaction of {$19000.00} transferred from your Chase savings account ending in XXXX to an external account XXXX on XX/XX/2019. Please contact the bank for your external account about any additional transactions of {$19000.00}. If you have more questions about this issue, please call XXXX at XXXX extension XXXX. If you have questions about other issues, please call us at the number below. We accept operator relay calls. Our office is available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern Time. Sincerely, Executive Office XXXX XXXX Fax ( Free of charge from any Chase branch ) XXXX Esta comunicacin contiene informacin importante. Si tiene alguna pregunta o necesita ayuda para traducirla, comunquese con nosotros llamando al XXXX, de lunes a viernes de XXXX XXXX. a XXXX XXXX.,  sbados de XXXX XXXX. a XXXX XXXX hora del 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 XXXX XXXX XXXX. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to reach TransUnion Credit bureau by phone since XX/XX/2021 and still cant. They dont give options to speak to a live person at number XXXX I did a thorough check of my credit report and notice that a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Account number # XXXX has been inaccurately reporting on Transunion credit bureau. I mailed TransUnion out a certified letter on XX/XX/2021 attached were the proof of the different account opening dates front the same collection agency along with other fraudulent accounts and asked for the items to be investigated and deleted immediately. I took pictures of my dispute letters, my identity and my certified letter and also my incorrect reporting on my credit report. TransUnion has not contacted me back nor have they opened a dispute on my file and I have tracked my certified letter TransUnion has received it already. 

This inaccurate reporting of opening dates is illegal and getting in the way of me getting employment and housing I hope you will be an advocate and help hold TransUnion accountable. Ive also mailed letter to the actual collection agency and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2001 I received a notification from XXXX credit monitoring that comenity bank/Victorias Secret pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given XXXX, XXXX or Trans Union my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
Product: Checking or savings account

I have been banking with capital one for over a year and my accounts have been compromised multiple times I have gotten money taken away from me and my account closed and all they could tell me is I have to wait until they are done their investigation, why should I be penalized for my money being stolen from me, I have filed police reports and everything I need help my bills are due and I have $ XXXX tied up in a closed account
Product: Credit card

This situation has been ongoing for a period of 2 years. I contacted BMO to report unauthorized charges on my credit card. I was advised that I should not have shared my information with the transportation company and to reach out to them directly. After contacting the company and explaining that I was unaware of the charges, they requested my card details to process a reversal. Additionally, I requested for a BMO supervisor to contact me. The supervisor assured me that the charges would be reversed as the company should not have processed them, and a new card would be issued. Following their instructions, I provided the new card details to the company. Subsequently, I discovered that fraudulent purchases had been made using my information by this deceitful company. Despite this, BMO claimed that I was accountable for the charges, closed the card, and marked my account as delinquent. It was later revealed that the company had a history of fraudulent activities. Fortunately, with the assistance of a legal professional, I was able to take action against the transportation company for this debt.
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  AND XXXX XXXX XXXX AND EXPERIAN CREDIT BUREAU 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.

I HAVE CONTACTED EXPERIAN VIA CERTIFIED MAIL AND THRU TELEPHONE. I HAVE TOLD THGEM THAT THESE ACCOUNTS ARE FRADULENT AND THAT I ASSUME NO LIABILITY. I HAVE ALSO REQUESTED THESE ITEMS BE BLOCKED AND I HAVE REQUESTED THAT EXPERIAN DO NOT SHARE MY INFORMATION WITH THESE CREDITORS OR ALLOW THESE CREDITORS TO PUT INFORMATION ON MY EXPERIAN CREDIT FILE! EXPERIAN HAS BEEN ALLOWING THESE COMPANIES ACCESS TO MY CREDIT FILE AFTER I HAVE FILE SFTC IDENITY THEFT REPORT AND NOTIFIED THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to XXXX  ( Tracking ID : XXXX ) and XXXX ( Tracking ID : XXXX ) about a debt from Oportun XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to Oportun ( Tracking ID : XXXX ) but no response either
Product: Credit reporting or other personal consumer reports

I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Agencies Experian, XXXX, XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies Experian XXXX XXXX, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting Experian XXXX XXXX, XXXX continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting Experian, XXXX, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting Experian, XXXX, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting Experian, XXXX, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

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

In accordance with the Fair Credit Reporting Act XXXX  account 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : Equifax Mortgage XX/XX/20 & XX/XX/20 XXXX  : Equifax Mortgage XXXX & XX/XX/20 XXXX  : Equifax Mortgage XX/XX/20.
Product: Mortgage

Company did not pay taxes on time since XXXX 2021 and cost me hundreds in not thousands in interest and penalties. Further, they created an escrow shortage that significantly increased my payment amount
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the bank related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 Paypal called me regarding a limited restriction hold they had on my account. They assumed money transfers were payments for items or services. I informed them that this was not the case. They questioned me about who was sending me payments. There was only two different accounts that transferred money to my account. I have had this Paypal account for over 10 years with no issues. To some up this situation Paypal has permanently closed my account with a balance of XXXX due to " suspicion '' of fraud. I am now unable to get access to my money for 180 days and this money is needed to pay bills in this current pandemic.
Product: Credit card

Discover Card ( Has denied Receiving Credit Card Payments so they can raise zero Percent interest Rates ) and ( Never Mails billing statements on time so they can raise zero percent interest Rates ) Discover Card has frequently forgot to mail my Statements. The Statements never were mailed. As a result they Dropped my zero Percent interest Rate and Raised it several Times.. 
The Discover Card Company also denied they Received my billing Payments so they could raise 0 % interest rate. It is unusually that all other Credit Card Companies received my Payments but Discover Card has a higher Rate of Lost Mail ....
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 XXXXXXXX XXXX XXXX  Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX, Account name : # 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 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 reporting

I got 2 letters in mails, First was saying the bike was re-POed Second was saying it was sold in a auction, paid more then it was worth. 

That was it.
Product: Money transfer, virtual currency, or money service

In summary, on XX/XX/2018, XXXX XXXX received a telephone call from an individual who claimed to work for XXXX. The caller convinced XXXX to grant shared access to the computer screen. The caller then convinced XXXX to log into her online bank account so that XXXX could compensate for computer issues. The caller told XXXX he accidentally deposited too much money into her account. The caller instructed XXXX to send a {$12000.00} money order/ cashiers check to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX in order to return the excess amount. XXXX went to her local TCF Bank Branch and obtained a {$12000.00} cashiers check, but before this check was placed in the mail stream XXXX received another telephone call from the XXXX impersonator instructing her to send the check directly to XXXX XXXX XXXX XXXX   Account # XXXX / Routing # XXXX instead. The said cashiers check was deposited into XXXX account at approximately XXXX XXXX on XX/XX/2018 at the XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The transaction receipt indicated funds would be delayed until XX/XX/2018. 
> > Shortly after the deposit, XXXX was made aware of the fraud scheme by neighbor/ friend/ authorized account user XXXX XXXX . XXXX revisited both XXXX and TCF Bank Branches with XXXX. XXXX requested a stop payment on the cashiers check at TCF to ensure the funds would not become available in the XXXX Account ; however, the TCF bank teller informed XXXX this could not be completed on XX/XX/2018 because the amount was greater than {$5000.00} and required approval from a manager who was already gone for the day. On XX/XX/2018, XXXX helped XXXX file XXXX Police Report # XXXX. The {$12000.00} was returned to XXXX TCF Bank Account for only a few days. XXXX is currently at a loss of {$12000.00} as a result of the fraud scheme. 
XXXX XXXX spoke with the district attorney XXXX XXXX in California XXXX. She personally reach out to XXXX XXXX and found she also was a person of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act 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 also States a consumer agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXXL XXXX XXXX