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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Alliant Credit Union has been reporting information to XXXX, XXXX and XXXX without my consent since XXXX of 2021. I have been wanting to Opt-out of having my information shared with these Credit reporting Agencies. However, Alliant Credit Union does not give their members or former members the opportunity to Opt- out according to their privacy notice on their website. According the XXXX XXXX XXXX the information given to XXXX, XXXX and XXXX is considered nopublic personal information, therefore sharing it with a non affiliated 3rd party without giving me the option to opt-out violates the privacy regulations.
Product: Credit reporting or other personal consumer reports

i checked my credit report and i don't recognize the things listed on the report i was also in packed by the date XXXX so can the list below please be removed from my report account with regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and the inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to Santander in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to Santander chat feature where the Santander rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that Santander could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!
Product: Credit card

On XXXX I had a fraudulent charge of {$300.00} at a XXXX in AR I live in FL And have never lost, given, or ever have had by card information stolen before. 2 days later on XX/XX/year> I check my bank and had saw the charge and immediately called XXXX the agent had responded and said that yes it has been flagged for fraudulent charge and that I would be shipped and new card with new number and close the account and open with new numbers I had asked will I be reimbursed for this charge and they said that it wouldnt post and would never show. Fast forward it posted and so I called them asking if I would be reimbursed or if the charge would be removed they said they would sent me in mail in 7-10 days they never did. So when I paid the charge in full I called again asking whats taking so long if I was being reimbursed. Again they said that I would hear from them in 7-10 days still nothing.
Product: Checking or savings account

i received an email from robinhood saying that all of my subscriptions had been canceled and my account had been closed and refused to provide further information. i was able to transfer my brokerage funds out of my robinhood account but not my IRA funds. now i am unable to sign into my account and transfer the rest of my money. when i try to login on either the app or website it says i am using an invalid account. robinhood support has not responded to my email. i received the original email notification about my account cancelation on XX/XX/XXXX and i am allowed 30 days to withdraw all funds from robinhood
Product: Checking or savings account

I asked the bank to send me 1099s that I need for my taxes. They refused.
Product: Debt collection

I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from 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 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  ). I didnt apply for these credit cards, auto loans, etc. I called Experian, XXXX and XXXX to file a dispute, but they ignore me and give me the runaround and the hard inquiry remains.
Product: Credit reporting or other personal consumer reports

This is my second 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 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX  : {$22.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX  {$5000.00XXXX XXXX XXXX XXXX XXXX XXXX  {$5300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} 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  : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I have two problematic issues with my credit there are 2 inaccurate things on my credit. 

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account. 
XXXX. XXXX XXXX shows on XXXX XXXX XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I XXXX have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX
Product: Debt collection

In XX/XX/2017 a First Tech credit card was opened on my behalf without my authorization. This card has been recognized as an issue on their behalf and stated as a collection on my report when this was not of my doing. This is hurting my score please take this off as soon as possible. I am trying to buy a home for my family during this hard time and this is not making it any easier.
Product: Credit card

Re : United Airlines VISA card A number of fraudulent charges were made against this card in the early XX/XX/XXXX. After the first request to the number listed on the back of this card, XXXX most of the charges coming apparently from XXXX XXXX were removed however XXXX charge was not. The card was cancelled and a new one issued. The charge of {$140.00} made by a XXXX XXXX on XX/XX/XXXX was not removed. This charge mysteriously doubled to {$280.00} a few days later. On the second call to the number above I was again promised by an agent who incidentally spoke poor English that the charge would be removed. The charge remains. I have been lied to twice. 

There is something amiss here beyond errors or plain incompetence and I respectfully request an investigation. 
Thank you.
Product: Credit card

on XX/XX/XXXX my dentist office gave me a pamphlet with a XXXX code to apply for credit. 

which I did on my phone. 

on XXXX  XXXX XX/XX/XXXX I received a letter denying credit because of a risk factor with my identity. it sated you use XXXX XXXX XXXX to assist. also, stated I should call them if I didn't agree with the decision. 

XXXX XXXX verified my identity in minutes. I was also advised to get in touch with synchrony. 

after speaking with several SUPERVISORSat synchrony, the last one XXXX XXXX XXXX was told to write a letter to synchrony. 

of course, you can XXXX my frustration and embarrassment at dentist when I was told my credit line was denied. and my credit is immaculate, which I value for emegencies such as This. I had to use funds allocated for emergencies. I also had to postpone need dental care because of your company. your company lied when in your letter you stated that XXXX XXXX was the agency you used. if you in fact used them they would have confirmed my identity. this caused unnecessary XXXX and embarrassment at the dentist. XXXX XXXX confirmed my identity within minutes
Product: Credit reporting or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : ( first_ name : XXXX ) ( XXXX ) ( last_name : XXXX ) XXXX. PLEASE UPDATE MY ADDRESS TO : ( XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX. MY ONLY SOCIAL SECURITY NUMBER : ( XXXX ) XXXX. MY ONLY AND CORRECT DATE OF BIRTH : ( XX/XX/year> ) I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent ( bank statement/utility bill/ID ) for verification purposes, as required by the FCRA. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report, so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY EXPERIAN. SEE ATTACHED
Product: Credit reporting or other personal consumer reports

On XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After CHEXSYSTEMS not helping, I gave up and accepted I would not be able to do anything but wait the " up to five years '' that the letter had stated. Recently I called XXXX XXXX XXXXXXXX to inform myself on how much longer and they said until " XXXX  '' with is 3 years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with XXXX XXXX XXXXXXXX and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, XXXX XXXX XXXXXXXX violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX has also violated this right of mine
Product: Checking or savings account

I issued a check from my Bank of America checking account on XX/XX/2024 to pay off a mortgage on my residence. The amount of the check was approximately {$960000.00}. My checking account at Bank of America is open and active and had a balance of greater than {$960000.00} when my check was presented for payment.. Without any notice to me or my joint account owner spouse, Bank of America returned the check and refused to pay the money. As a result of Bank of America 's actions, I have been charged several days of interest at approximately {$170.00} per day. In addition, the return of the check caused the mortgagee bank to charge me a fine for a returned check. My losses resulting from Bank of America 's wrongful refusal to pay my check are greater than {$750.00}. 

I called Bank of America and requested that they provide a resolution and they refused to do so. They said the check was mistakenly rejected, but they would do nothing to make up the losses. They indicated that the mortgage bank might agree to waive its charges. I requested a letter indicating they had made an error so that I could request a waiver of the charges. Bank of America initially agreed to provide a letter, but then transferred me to someone else who said they would not do so. I visited a Bank of America branch in XXXX, VA in person onXX/XX/2024 and requested a resolution. Personnel at Bank of America said they would have a market leader call me, however, no one from Bank of America ever called and no resolution has been offered. 

The mortgagee bank said it could not waive any of the fees or interest caused by Bank of America 's refusal to honor my check.
Product: Checking or savings account

On XX/XX/XXXX around XXXX, an unauthorized charge of {$50.00} was taken from my Chime account for XXXX XXXX. I have never used XXXX XXXX. 
I called the bank asap advised that this was not me. They canceled the card and sent a new one. 
After a few days I received and email stating " no error was found ''. I called again advising this was not a charge I made. I challenged their decision. 
I received the new card, did not use it at all. Put it away, on XX/XX/XXXX three more charges were attempted for XXXX, {$25.00} each. 
I called Chime. At which point they blocked XXXX. And resubmitted the claim for an unauthorized charge. As I advised I have switched banks, as I do not trust Chime with my money and the fact that someone was still attempting to access my account t was odd. It sounded to me as if it was internal. As the card I had never left my home. 
I received another email advising that " no error was found ''. Then received another email advising they were ending the relationship with me. 
I feel this was a retaliation as I have had the account t for years and never had an issue. It seems they not only do not want to help their customers, they get mad and close accounts when challenged.