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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Regions email about a new account for a debt collections company. I do not have any debt/outstanding balances. I have never been in contact with regions and do not have any debt account with them
Product: Debt collection

An American Express collection person named XXXX  at XXXX has repeated called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 times, XX/XX/XXXX - 2 times and XX/XX/XXXX - 3 times. He has also contacted phone numbers of relatives and people NOT related to me looking for me. He has called my grandmas XXXX  line, which I have never lived at and is very inappropriate when it is not a relative. He contacted my mother 3 times. He contacted my husbands uncle, who is NOT related to me. This is borderline harassment at this point. He can call me or my husband as many times. But reaching out to people who are not my relatives is unacceptable and totally violates my privacy. This should not be acceptable!
Product: Debt collection

I am writing to formally dispute the accuracy of a debt reported by LVNV Funding, which appears on my credit report. The debt is listed as being opened on XX/XX/year>, with a balance of {$360.00}. I believe this information to be inaccurate for the following reasons : I have no knowledge of this debt and have not received any documentation validating its legitimacy. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that LVNV Funding provides proper validation of the debt, including : A copy of the original agreement or contract demonstrating my obligation to pay the alleged debt. A detailed payment history and a breakdown of the amount claimed. 
Additionally, I request that the CFPB ensures all relevant parties comply with their legal obligations under the FCRA and any applicable state laws. Please investigate this matter promptly and ensure that all inaccuracies are corrected or the debt is removed entirely from my credit report if it can not be verified. I also request a written response regarding the findings of your investigation. Thank you for your attention to this matter. I trust that you will handle it with the thoroughness it deserves.
Product: Checking or savings account

I contacted Bank of America via phone to ensure I had Overdraft Protection on my checkings account ( around XX/XX/19 ) and would not be incurring Overdraft fees in the result of a withdrawal. They informed me I did, in fact, have Overdraft protection and should not be incurring fees. 

Shortly thereafter, on XX/XX/19, I ordered things through XXXX and XXXX took money directly out of Bank of America instead of my XXXX balance ( I hadn't realized the funds would go out of the account but when I saw they did, I remembered the phone call I had with Bank of America where they said I had protection and didn't panic, thinking I had the funds ). Bank of America then charged me XXXX dollars initially, and another XXXX dollars pending in overdraft fees ( an estimated total of XXXX dollars ). I  called them and asked them why I wasn't protected on XX/XX/19. They informed me that even though the credit card used for the protection had plenty of credit on it, it couldn't be used for cash beyond what had already been used. They informed me that " Overdraft Protection '' doesn't mean I am protected against overdrafts, but merely that I have an account set up with them ( but the account I had set up with them would not work ). I asked why when I called to ask about whether I was protected, the limited line of cash credit in the account in question ( which is also a Bank of America credit card account ) were not mentioned, they said I had only asked whether I was protected not whether they would be able to transfer funds over ( and there was a difference between being " protected '' technically and as a matter of whether I was actually protected ). They explained they could tell me I was protected but they were not in charge of ensuring the protection worked unless I directly asked.
Product: Debt collection

At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to XXXX XXXX in the amount of {$720.00} to XXXX XXXX  for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from XXXX XXXX regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " D2 Management '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the D2 Management to the appropriate agency. She laughed and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted 4 disputes to Transunion.  They were accepted and I thought they would be handled in the 30 day time limit.  On XX/XX/XXXX I received a notification that the results would not be ready until XX/XX/XXXX and noticed Transunion had changed the date I had submitted my disputes. I call them and spoke with a lady.  She then told me they had computer issues and were unable to do anything for those nine days. That was of course a lie as my husband disputed one item on XX/XX/XXXX and it was resolved on XX/XX/XXXX.Now XXXX  has locked me out of my account so I cannot see the progress of my disputes, will not give me any information on the phone or help in any way at all.They are quite possibly the worst company I have ever dealt with.  XXXX has been great. Nothing has taken longer than 10 days, they are helpful.  XXXX is like working with an XXXX.
Product: Debt collection

The XXXX XXXX Hospital sent me to collections for {$750.00} for medical services that was not provided to me on XXXX XXXX, 2011. I was never seen in that hospital. Also, XXXX XXXX XXXX XXXX is sending me a bill for {$50.00} for services for XXXX XXXX. I never received any care or services in these mentioned facilities. I want them to correct this matter.
Product: Checking or savings account

I am filing a formal complaint regarding Chase Banks refusal to properly investigate fraudulent withdrawals from my account totaling {$4900.00}, which were unauthorized and made through XXXX XXXX, XXXX, and XXXX XXXX  after my phone was stolen. 

On XX/XX/year>, at approximately XXXX XXXX, while traveling in XXXX XXXX, my phone was stolen. A suspect, XXXX XXXX, has since been arrested and charged with Access Device Fraud and Identity Theftboth felony counts. Notably, the suspect was caught at a Chase bank in XXXX XXXX, yet Chase has refused to take action to recover my stolen funds. 

Fraudulent Transactions : Total amount stolen : {$4900.00} Withdrawals made via : Cash App, XXXX, and XXXX XXXX  All transactions occurred after my phone was stolen Despite my prompt reporting of this fraud and providing Chase with a police report from the XXXX XXXX Police Department ( Case : XXXX ), Chase has failed to properly investigate and recover my funds. It is unacceptable that a Chase branch was directly involved in the apprehension of the suspect, yet Chase has taken no action to pursue recovery efforts or prevent further misuse of my funds. 

Violation of Consumer Protection Laws Under Regulation E ( Electronic Fund Transfer Act, XXXX U.S.C. XXXX et seq. ), financial institutions are required to protect consumers from unauthorized electronic transactions. Because I reported this fraud in a timely manner, my liability should be limited to {$50.00}, yet Chase has refused to reimburse me. 

Formal Demand for Action I demand that Chase conduct a full investigation into this fraud, work with law enforcement to recover my stolen funds, and provide a detailed explanation for its failure to act sooner. If Chase does not take immediate corrective action, I will be forced to escalate my complaint to the following regulatory bodies.
Product: Checking or savings account

I deposited a check via mobile deposit for {$10000.00} into my business checking account on XX/XX/2022, received an email on the same day saying that my deposit was approved with a XXXX business days hold. The following day XX/XX/2022 I deposited another check of {$10000.00} via mobile deposit I received an email the same day stating that the deposit was approved with a XXXX business days hold. 
On Thursday XX/XX/XXXX, I went to the branch and deposited a check for {$7500.00} and the teller told me it was approved with a XXXX business days hold and my receipt stated the same. 
Based on the holds I waited until Friday XX/XX/XXXX to issue checks to my contractors. On Saturday XX/XX/XXXX, my account balance is only {$170.00}. I called NFCU and they told me that on XX/XX/XXXX all of my checks were put on a XXXX business days hold, and I wont have funds until XX/XX/XXXX and XXXX. I want to be very clear that at no point NFCU notified me of the extra hold time. They are holding over {$27000.00} in deposits. They are not small business friendly and this is affecting me and my business, my client is asking where is her material and I have to cover that with credit cards or with my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the XXXX  complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Product: Checking or savings account

The SoFi bank restricted my account because of a XXXX that I revived from my husband friend, I have called multiple times and I have give them every piece of information they have requested and I have identified my identity with them by processing my documents and they have not provided me with any solution or at least an update on whats going on. I have received my Tax refund money to that account and Im not able to get any access to my money and they refused to sent me a check, when that money has nothing to do with the ongoing investigation of the XXXX that I was supposed to received from my friends husband which I never received so I am not sure what it is that they are investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke in the phone with a representative who missed pronounce my name several times and didn't completely understand what I was trying to tell her. I believe she said she was based in XXXX. I also sent a USPS certified mail package to Transunion, which was unable to be located since I sent it to the dispute office in PA. I've attached what needs to be submitted to get these fraudulent accounts off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling XXXX XXXX they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although Equifax is showing one hard hit for the purchase of my truck, XXXX XXXX nis showing and scoring me XXXX points for XXXX hard hits, for purchasing one vehicle. 

Last, Equifax is reporting a derogatory account from XXXX that I disputed ( never opened ), and that XXXX XXXX removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.
Product: Credit reporting or other personal consumer reports

I have submitted my dispute to Equifax over the past months, requesting the removal of inaccurate and unverifiable information from my credit report. Despite providing sufficient evidence, Equifax has failed to fulfill its obligations under the FCRA. Specifically : A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is in clear violation of the law, Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) IN GENERAL 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 from the consumer to whom it relates.

Did I given you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions, - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my report, this agency is in violation of 15 USC 1681.
Product: Student loan

Balance has not updated since XX/XX/26. No refund on balance requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries about XXXX  XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses. 

I also have a police report which the bureaus keep requesting of me so with all I'm doing I'm requesting these things be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked PHH to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and PHH continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Product: Credit reporting

I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that Trans union has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to XXXX me I will not stand for it I HAVE RIGHTS!!! 
this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies and unauthorized information/accounts reporting to my credit report. These comments have negatively impacted both my life and credit standing.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.