23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still verified as accurate. I am questioning your investigation and if you even conducted a reasonable one. 

See Attached documents Accounts : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX  ( Transunion : XXXX ), XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX   : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX  : XXXX ).
Product: Checking or savings account

On Sunday XX/XX/XXXX at XXXX I received an email notification that the phone number on my account had been changed. I did not initiate this, nor do I know the number. I was on the subway when I got the notification and I got off at the next stop ( less than 5 minutes to call Chime member services. I called at XXXX and was on the phone for 20 minutes before I was able to speak to a human. In that time the person who took over my account sent {$5000.00} to themselves. after explaining what happened to the first rep, I was placed on hold for another 10-15 minutes to be sent to the claim investigation department. I gave my information to a rep. Stating that no one had access to my account or the password and that I was currently holding my debit card. She ( I think her name was XXXX or XXXX ) told me that an investigation was opened and could take up to 45 days to complete. After that, I transferred all of my money out of the chime account and into my other bank account. l also changed my phone number back. 

Today I got an email from Chime stating that they " determined no error had occurred. Therefore no funds would be credited to my account and this claim was closed. This is beyond disgusting that money that I worked hard for was able to so easily be taken and the bank I kept it in to refuse to do anything about it. I have requested the documentation that they used to come to this decision.
Product: Consumer Loan

XXXX was repossessed by Honda Financial Services on or around XXXX XXXX or XXXX. As soon as vehicle was recovered, I contacted the company to try to obtain vehicle back. The customer agent advised me of the payment amount due and when it needed to be paid. The amount need to be paid was {$3700.00} and need to be paid by XXXX XXXX according to the customer service agent in the recovery department. I obtained a check from my financial institution and had it sent via overnight delivery on XXXX XXXX, 2016. After following up with the company on XXXX XXXX, the company vehicle disclosed that they would send the release forms to the company XXXX XXXX located in XXXX, TX the same day, so I could arrange for pickup of my vehicle the following week. Monday XXXX XXXX, I contacted XXXX XXXX and told that they received my documentation but my vehicle was transferred to Auction on XXXX XXXX according to XXXX at XXXX XXXX, her number is XXXX. I contacted Honda Financial Services again because I could n't understand why they would arrange a payment and then send the vehicle to auction before the agreed upon date. I was also told by the agent XXXX and XXXX that I actually had until XXXX XXXX to pay the fee to recover the vehicle. my vehicle is currently still at the auction location and I am trying to work out a time to retrieve my vehicle. All of my personal possessions have been removed from my vehicle and I was never provided any notice about any of these proceedings or what I could do to remedy this situation. I am also a servicemember with protection under the Servicemember Civil Relief Act, I served for 12 years, but recently separated in XXXX to move into the XXXX Component. I know there are laws to protect servicemembers, but my biggest issues revolved around not being able to recover my personal belonging and remitting a payment for a vehicle that was sent to auction after it was paid.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : 1. XXXX XXXX XXXX XX/XX/2022 2. XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX. XXXX XX/XX/2022 8. XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute claims that XXXX banks that are being reported with information that is incorrect, not mine & /or accounts opened fraudulently. I have proof of the most recently submitted disputes where received verified by usps certified mail. The 1st time i submitted my disputes for these XXXX banks, I submitted through online submission with confirmation via email. In my disputes, I requested investigation into the XXXX banks being reported with reported negative information. I also requested the validation of this information bearing my signature. I did receive response for the 1st dispute submission but only stated that accounts where verified as accurate. But Chexsystem failed to give me my request for validation of this bearing my signature which is in violation of the fair credit reporting act. I've attached my most recent letters sent for my XXXX attempt to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report with both XXXX and Transunion that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below.

XXXX : XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX & XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Transunion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize  these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
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 XXXXXXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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: Checking or savings account

On XX/XX/XXXX i was attempting to help my mother of all people with a financial problem. I went to withdraw {$1400.00} from my brokerage account and had to return it because the account is withdrawn to was not the account that was connected to my zelle, which i was trying to do, send a zelle payment. So after realizing this o simply deposited the same money back into my account and changed my linked bank account to the account that I have connected to my zelle. All accounts and cards have MY name on it and no one has access to my account but me but yet they decided to restrict my account due to " unusual activity " which could easily be explained if i got a call instead of generated emails. They even sent me the same exact email more than 7 times. They asked me to upload my drivers license which I did twice once bc it's got an email asking to and again because I got a notification to do it again in the app. This is very unacceptable and could of easily been taken care of if they took the time to call me or if they had s business where u don't get a computer when trying to contact their customer service department. Customer service is unacceptable. Their is nearly {$10000.00} in my account and just locked it up for NO reason! 2 seconds could fix my problem now it's been days without me having access to what I worked years to save!
Product: Debt collection

I received a letter Monday, XX/XX/2023 from Koalafi saying I owed {$14000.00} on an account, and that I had two weeks to pay. I have never contacted Koalafi, let alone opened an account with them. Also, they do not show up on any of my credit reports, so I'm not sure if this is related to Identity Theft or not.
Product: Credit reporting or other personal consumer reports

Tranunions refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine, which are 1. ) XXXX  card Services date. XXXX 2. ) XXXX XXXX XXXX> date XX/XX/year>,.. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENTITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite 2 written requests and a CFPB REPORT, the unverified items listed below still 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ). Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I received a text asking me to verify this transaction from a person who I was sending {$480.00} to XXXX XXXX. My response was " NO ''. 
I called Navy Federal CU to let them know that I don't know this person who said that I was sending her this money. Sent NFCU the screenshots to prove that my response was " NO ''. NFCU did no believed me so they refuse to give me my money back, also they would not give me the number the funds went to telling me that they could not give me that information it was private, so they just let her steal my money. I am still trying to get my funds back from Navy Federal CU they sent her my money after i told them I told them I did not authorize anyone to send money. NFCU asked me if anyone had my online account access it was stated that I was the only perrons with the online information and also, I had my bank card with me at the time. On that same day another unauthorized transaction tried to come thru as I was speaking to NFCU XXXX, for {$380.00} Purchase from a store in Texas XXXX XXXX in XXXX Texas on XX/XX/XXXX my response to that was " NO '', no funds were released. If I had not been on the call at that time, NFCU would have authorized and sent that payment thru as well. Something is going on at NFCU I am not the only person who has been scammed thru XXXX for NFCU customers. Please check into this we need our money back.
Product: Credit card

I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT REPORTING CORRECTLY AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I'VE TRIED TO CONTACT TRANSUNION SEVERAL TIMES AND WAS TOLD BY THE REPRESENTIVE THAT THEY ARE WORKING FROM HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX XXXX, CA XXXX 4. XXXX Account Number : XXXX 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it immediately. 
6. there is some inaccurate information reporting. 
XXXX, XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I owed a delinquent amount of {$3200.00} on a US Bank credit card XXXX. 
Was not working beforehand, so I decided to email US Bank that I wanted to do a 80 % settlement of {$3200.00}. On XX/XX/XXXX I received a email from US bank from XXXX XXXX they would work out a settlement. To reach out to Cardmember Services recoveries area.

Called them during that week and made a agreement to settle on four payments of the amount of {$660.00}. That the first amount would be on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Grand total amount of {$2600.00} and that would satisfy the settlement. On XX/XX/XXXX, I got a Collection letter that I still owe one payment. of {$660.00}. Called US Bank 3 different numbers, First talk to XXXX XXXX on XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, that he can't help and called other attempt at ( XXXX ) XXXX after 4 attempts and 2 hour wait on a recorded line that they only have 3 payments Only, 1 is missing that we never sent any funds. So they gave me a fax number ( XXXX ) XXXX sent all the documents that all 4 payments were withdrawals and Cleared from my personal bank XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got 4 letters that Now only one payment was posted correctly and Now other 3 are missing. This does not make any sense, 3 missing and 1 Collections letter of one amount only? I give you full authority to investigate were my money has gone to CardMember Serv Loan Pmt Co Ref XXXX.
Product: Credit reporting or other personal consumer reports

This is not a verification account. XXXX Account XXXX. 

XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX
Product: Vehicle loan or lease

I want this account off my credit report now. This company SANTANDER has harass me for over 9 to 10 years now. The car which was a red XXXX XXXX was giving back years ago. These people constantly calling and but not giving me letters through the mail or nothing, I wonder why, cause it's incorrect information. This is illegal. I want them investigated. And I want to know why this is still on my credit report and why I am receiving calls and being harass for a car that I had over 9 or 10 years ago. This has to stop. Stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, a balance of {$1600.00}. No idea what this is and company didn't have any information
Product: Debt collection

Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.
Product: Debt collection

A notice of cease and desist, as well as a reuest for porrof of contract was sent to Transworld Systems , Inc. on XX/XX/2018. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day since the date listed on the notification letter.