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

I applied for a Business Checking Account with a credit union. I completed the application online like required. Uploaded all supporting documents they requested. Waited two day and called to check on the status. I was told by the member that the only way I can open a business account with this credit union, is I have to 1st pay back the losses they took when my Ex-Husband and I filed XXXX XXXX bankruptcy more than 10 years ago. At the time we filed bankruptcy, the credit union closed our checking accounts and cancelled our debit cards. We were only allow to keep a savings account. At that point we both had been members for over 20 years. After several years we were allowed to reestablish our checking accounts. My account has remained in good standings. 

When we filed bankruptcy, we volunteered and turned in our vehicle because it was included in the bankruptcy and even though we were managing the payments, we knew that the credit union had the right to repossess the vehicle at any time. One of us had a credit card with them as well that was also included in the bankruptcy. 

So, before this credit union will extend a business checking account to me, they are saying I would be required to pay back over {$13000.00} in losses because of the car and credit card before I would be allowed to open the account. 

They do state that they are aware of the bankruptcy and that the debt was charged off, but it is their policy that their losses must be paid back before they will allow any of their customers to do business banking with them, I am wondering if that is legal, because I know they sold the vehicle which would have been a profit to them, but they are standing on the balance that was owed when we turned the car in. 

Please advise and thank you for your time.
Product: Debt collection

On XXXX XXXX, 2015 Synchrony Bank/ Walmart contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to XXXX XXXX on XXXX/XXXX/2015 Now Synchony Bank has no record of the transaction that was taken from my bank account. And my balance with XXXX XXXX does not reflect on my account. However my checking account shows that the XXXX dollars was taken by Synchony Bank before the account was sold to XXXX credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed a complaint against XXXX on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly XXXX. Until then, this issue has not been resolved. Nor has XXXX provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and XXXX score, which as of a couple of days ago was 755. Because of this erroneous reporting, my XXXX score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with Paramount Recovery Services.
Product: Debt collection

this debt collecting company sued me on a time barred debt, this debt is no longer even on my credit report i do not owe this debt anymore they can no longer pursue legal action against me to collect on this debt. they are in violation of XXXX XXXX Fair Debt Collection Practices Act. its legally unenforceable. they are using unfair, deceptive, and abusive debt collection acts or practices in they are using they are doing and ive sent them a cease and decist email already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is 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 item and update it immediately in my report : XXXX XXXX XXXX. Please update ASAP.
Product: Debt collection

To date, I have not received proof that ARI, the debt collector, purchased this debt from the original creditor, nor have I been provided with the original amount paid for the account. In reference to the previous case, ARI has acquired this account, and I am requesting documentation of the purchase agreement, specifically detailing the amount they paid. Under the Fair Credit Reporting Act ( FCRA ), debt collectors are prohibited from seeking payment exceeding the amount they originally paid for the account. Any attempt to collect more than the purchase price could be considered a violation of the FCRA. 

Additionally, I have not been provided with information on how the three major credit bureaus investigated my dispute, despite my request. 

I kindly request that this matter be investigated and the necessary documentation be provided to ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.
Product: Checking or savings account

I was the victim of a scam that I thought was a work from home job. The scammers went as far as interviewing me for the job. Then they sent me a check to deposit and send through XXXX, which ultimately returned unpaid. Originally I sent my own money in place of the check because i believed it would clear because it looked to have been accepted. The next morning I freaked out because the scammers got access to my bank login and got me for {$1200.00}. Which was all the money in my account. I called the bank to dispute the fraud of {$1000.00} and {$200.00}. I filed a police report and a complaint with the XXXX  for the supposed data entry position of XXXX XXXX. I contacted the fake employer and was blocked. The bank took my info and filed the complaint but didn't allow me to submit my proof. After a week my bank account is closed and my claim was denied. I am unable to appeal the decision according to the lady on wellsfargo customer service which I believe to be false because the letter states otherwise. The money scammed was all my unemployment money. I had never had an issue or problem as a customer before that incident. What concerns me is the fact that the check was accepted in the first place, which led me to believe it was good. I don't know what to do. I need some help please!
Product: Credit reporting or other personal consumer reports

I opened a complaint through cfpb against Transition because they were violating me by furnishing incorrect information on my credit report. I asked called in numerous of times asking them to delete the incorrect names, and account they are reporting and they refused I got a letter in the mail from them stating the accounts were verified. I called in to ask for revalidation and was denied. I then asked Transition representative how was the debt validated? what steps were taken and can proof be mailed to me of validation on the their part or the companies part who's giving this wrong information and I got no answer. I need to see the validation documents in which Transunion allege deems to be correct as they are still reporting these active accounts onto my credit. I am being physically drained, mentally stressed and financially impacted by these negative items on my report. I am asking that transunion mail me copies of the validation they got from the company XXXX XXXX XXXX XXXX. If proof can not be furnished these accounts need to be deleted from my report. I am also asking for info on arbitration with transunion.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 10..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 12. .Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 13.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping on-line for a new car. I get an ad from XXXX to which I responded ( X/XX/17 ) ; after I fill in the information regarding the type of car that I 'm looking for I get the following message : Next Step The next step is to obtain a copy of your most recent Credit Score. Click Below to get your FREE credit Score & Credit Report for {$1.00}. Like an XXXX, I clicked on the link and was sent to TransUnion. After providing them with their requested information I was shown my score ( XXXX ) and welcomed as a new customer to their credit monitoring service and that after a 10 free trial I would owe them {$100.00}. There was no link back to XXXX so it appears that the whole scheme was to trick people into subscribing to their monitoring service. This is nothing that I want. 
The next day, after receiving a confirming email from TransUnion, I immediately called to cancel this service. I apologize to the poor woman in XXXX to whom I talked ; I understand that she was only trying to get through the script that she had been given and my yelling at her did n't help. They did agree to cancel. Since then I have been solicited from several sources that want to help me " restore, repair my credit '' So aggravating and time consuming. It seems that we are under constant assault from these scammers and have no protection or recourse.
Product: Debt collection

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX XXXX XXXX from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Checking or savings account

Opened a new checking and savings account at chase.com. Linked my external bank account to fund it. After initiating a transfer of {$15000.00} to chase they locked out all my accounts. On logon I receive a message " We locked your account due to suspicious activity. Call XXXX to unlock it. Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. '' I called and had to go through a series of irrelevant and XXXX questions : did you shared your password with anyone? etc. Account still frozen. This is a completely unacceptable level of fraud detection or prevention mechanism. I have two factor on the account and there is nothing suspicious about funding a new opened account. A simple text to my two factor they I can respond Yes to would have been sufficient.
Product: Credit card or prepaid card

I requested to close my Chase card ending XXXX, Chase did appears to close this account. 

But Chase keeps sending me blank checks to be used against the closed account. I consider this practice fraudulent, since I did not request these credit card blank checks. 

I tried to login to the closed credit card account, to log complain against this practice of sending blank checks for closed credit card account, I couldn't because the online access appears to no longer available. 

I will not be responsible in the event the blank checks are used by unauthorized people. I want Chase to discontinue all correspondence on all my requested closed accounts with Chase. 

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear OPPLOANS/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL 445.61445.79c ) and the Michigan Consumer Protection Act ( MCL 445.901445.922 ). 

It has come to my attention that OPPLOANS/XXXX has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL 445.72 ).

I assert unequivocally that I have not provided consent for OPPLOANS/XXXX  to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws.

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. OPPLOANS/XXXX  unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ). 

I demand that OPPLOANSXXXX immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law XXXX You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws.

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

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

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to authorize nor benefit from the following account ( s ). Block and Remove!
Product: Debt collection

I submitted a previous complaint along with my ID and affidavit of id theft to this company, in XX/XX/2018, I asked that they do not contact me or continue to report or try to collect false debt from me, I recently began getting calls from this company again dispute them sending me a letter stating the matter was closed. Ive already submitted the ftc affidavit, police report and ID, this company is creating undue hardship on me emotionally and it will no longer be tolerated.