23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been attempting to transfer money from my PNC checking account to my girlfriend in the XXXX. The transfer company, XXXX, asks me for my account information which I try to send. I am denied the request by PNC, stating that I do not have proper authority to access my account. I called the bank and was told XXXX can help me get approval for the transfer. XXXX has told me that they can't, the bank is the only one that has approval to access my account. 
I am lost!
Product: Checking or savings account

My Visa Debit Card was used in a city I was not even in at the time. I sent WSFS Copies of my airline ticket which showed the date I left and they have declined reimbursement of disputed transactions. I left XXXX XXXX on XX/XX/2022 there were 27 charges that posted to my Visa Debit Card on XX/XX/2022 the young lady XXXX asked me why I did not know the transactions were done is because the WSFS Bank had blocked me from the website! I received a letter from WSFS this morning with a letter stating that any dispute was denied! I called and asked for copies of the receipts and customer service said they would send me copies but they did not know what they would look like???
Product: Credit reporting or other personal consumer reports

I just looked at my credit report XXXX XXXX, XXXX. I noticed some hard inquires that did not have permissible purpose. I also attached evidence below. 

1. Advantage/Fairway - XXXX XXXX XXXXThis inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 2. Onemain - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}
Product: Debt collection

Hello ENHANCED RECOVERY ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to demand immediate correction of my Credit File in accordance with the FCRA. I have made repeated attempts to dispute several items on my report, yet they have been continually disregarded. It is imperative that you promptly investigate this matter as mandated by the FCRA. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. I need my Credit File clean from the following erroneous items : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} XXXX XXXX XXXX Balance {$68000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian an FTC Identity Theft Report ( Exhibit A ) and a letter ( Exhibit B ) stating that they have used my personal and private information to publicly report inaccurate information. Identity theft is defined in 12 CFR 1022.3 ( h ). I am entitled to privacy concerning my personal information. I requested that certain information be deleted as of a result of the identity theft. Experian stated they " completed '' an investigation into my claim of ID theft and the claims were unverified and the companies that I demanded to be deleted requested further information. Pursuant to 12 CFR 1022.3 ( XXXX ) ( XXXX ) the FTC report is valid and sufficient evidence that I am an Identity theft victim and any request for additional information is not reasonable in this case. I demand that this information be deleted immediately upon receipt of this letter.
Product: Credit reporting or other personal consumer reports

The three main credit bureaus, namely XXXX, XXXX, and TRANSUNION, have reported a negative account from XXXX XXXX  on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXX XXXX  stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXX XXXX  has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.
Product: Credit reporting

After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts from XXXX inquirydate XX/XX/2019, XXXX  XXXX inquiry date XX/XX/2019, CITIZENS BANK inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Product: Credit reporting or other personal consumer reports

I have previously disputed this fraudulent account last year, and it was subsequently removed from my credit report. I have also submitted an FTC report to the company directly and to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from Equifax, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and Equifax information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, XXXX, and Equifax, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : Experian incorrectly reports a 30-day late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting an outdated closed account with XXXX XXXX XXXX. This is account is older than 7 seven years. I have disputed this outdated closed account with the credit bureau several times.
Product: Bank account or service

I attempted to pay my credit card balance ( {$720.00} ) using the Chase XXXX app on Friday, XX/XX/XXXX. The first time I did so, the payment failed and the app told me to try again. I waited about 10 minutes, made the payment again, and it went through fine. However, I now have XXXX account transfers for {$720.00} out of my checking account. The payment has only been credited to my credit card account once, but I 'm out an extra {$720.00} ( I 've paid twice ) on my checking account. The first failed payment was still taken out of my checking account. 

I 've called Chase twice so far, and all they 've told me to do is wait until the " pending payment '' is rejected and credited back to my checking account. Apparently, the first failed payment was rejected and needs time to process. I was told to wait until XX/XX/XXXX for it to be returned to me. However, the payment is not pending from my checking account, it was already debited.
Product: Money transfer, virtual currency, or money service

This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX Account Number : # 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 an 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. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX was paid in full by Medicare after they received corrected claim. Billing dept reimbursed me {$290.00} and told Apex to remove the {$100.00} in XX/XX/2022. They keep billing and calling me for it even after I sent proof from Dr and billing dept that I have a XXXX XXXX I want them to stop calling me because I was already was told by an APEX rep that it was removed in XXXX, yet they persist with harassment.
Product: Credit card

I would like to dispute a Capital one Bank USA located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Product: Checking or savings account

The branch manager put a false fraud alert on our account because she got mad at me for stating to management I did not like the way she talked to me and embarrassed me. She retaliated and said she will fix me and put a fraud alert on my account which froze revenue and held all my revenue. They have held all funds for over 30 with no resolution this is wrong and I do n't want my funds held any longer. I want them to release my funds and close these accounts and I never will bank or refer anyone to them ever again. 

This bank is BB & T Bank XXXX XXXX XXXX. XXXX MD XXXX XXXX XXXX XXXX is our account name
Product: Credit reporting or other personal consumer reports

In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( TTEE ), UCC 1-308 All rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

XXXX XXXX XXXX said I opened a account with them in XXXX. I did not they claimed I owed XXXX dollars, then in XXXX reported on my credit i didn't pay them. After contacting them several times they had no answers for me. Finally in XXXX they agreed to remove remarks and debt owed that was not mine. Now they sold a debt that isn't mine to another company who now states I owe them XXXX for the original debt of XXXX due. Fraudulent account reported on my credit a number of times with different amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX