23daVinci/CFPB_Complaints huggingface dataset:
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. 
I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Credit card

I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two rounds of letters were sent by certified and signature mail asking for original contracts and did not receive what I asked for no proof of debt. Asked company to remove from credit and did not comply. Two rounds of letters you sent and that the accounts still remain and have not been fully validated by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Bank account or service

On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given AppleCard/Goldman Sachs Bank USA/XXXX XXXX XXXX XXXXXXXX notice of opt out in XX/XX/XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. AppleCard/Goldman Sachs Bank USAXXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). ( 1 ) This notice is in regard to APPLECARD Customer name XXXX XXXX, XXXX account number XXXX. 
Please see the attached opt out letters and information sent to AppleCard - Goldman Sachs Bank, XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I accidentally clicked a link within the financial institutions application regarding payoff. Then get a call from a local dealership wanting to know about this accidental click saying they heard I was looking for a payoff balance and that I may be looking to buy another vehicle. 

This is XXXX party disclosure and should be stopped immediately. 

It would be as if I asked payoff on my house mortgage and not then start getting calls from real estate agents.
Product: Credit reporting or other personal consumer reports

there are problems with these accts they arent reporting correclty i need them right
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my rights. 

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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Mortgage

I would like to file a complaint regarding M & T Bank of XXXX Texas. they claim I had a lapse in insurance for the property we had a loan with, this is not the case. I have complete documentation that there was no lapse in insurance. M & T Bank withdrew {$230.00} out of my escrow account to buy a temporary policy without my permission or letting me know, I received no policy number or information about the temporary insurance. I have no proof that they bought this un-needed policy that I did not need because my policy did not lapse. The money in the escrow account belongs to me it is not a slush fund for them to remove money without my permission I consider that theft. I have called my insurance company they have assured me my policy never lapsed, my insurance faxed, emailed and texts my policy information to M & T Bank. M & T Bank did not care and was taking the money anyway. I believe they have sloppy book keeping and I think a full audit should be performed to protect customers. I am sure I am not the only one with an issue. Thankyou for you attention in this matter
Product: Mortgage

I had a home equity line of credit with Citizens Bank. While in the process of refinancing this loan with another institution, Citizens Bank made a partial payment from my Citizens Bank online checking account which resulted in a debit of {$56.00}. Even after the payoff was completed by my other bank, Citizens charged my account {$90.00} in over draft fees. 
Since Citizens Bank created the overdraft in the first place I want the fees to be negated.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Please take a moment to review this complaint carefully, as it is not submitted in error. Ive noticed that my credit report contains incorrect information, including accounts, transactions, and items that I have no connection to. This mix-up is deeply troubling and has been causing me significant stress and XXXX. Additionally, my personal information on the report appears to be inaccurate, which may be contributing to these unknown and erroneous accounts showing up.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that XXXX  are not hindering records when I sent a copy of the FTC XXXX. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX  decide to not obstruct the accompanying things recorded beneath which are answering XXXX  because of XXXX, I will hand XXXX XXXX  over to my lawyer to begin a legitimate activity. It's XXXX XXXX to not seek after XXXX  XXXX  activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute the inclusion of child support information from Louisiana XXXX XXXX on my TransUnion consumer report. After reviewing my credit report, I was dismayed to discover that child support payments have been listed as a derogatory item, adversely affecting my credit standing. I strongly believe that this reporting is inaccurate and violates various laws governing consumer reporting, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines.
Product: Debt collection

this debt is 10 years old and i believe it is being passed from one collection agency to another so that it stays on my credit report. I feel this unfair and this account should be removed from my credit report.
Product: Checking or savings account

When I opened my account at Wells Fargo I placed a good amount of money in my account. I would use my debit card as well as keep my account in good standing yet Everytime I look into my account they are over charging me as well as over drafting my account. Eventually they closed my account. Inn multiple accounts I tried to resolve this issue but I kept getting Im hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX
Product: Debt collection

XXXX was the original creditor imposed data charging for internet without notification then tried to collect. account as been sold several times to different collection companies after being disputed and removed from credit. now credit management company is claiming I owe them money and as ruined my credit with there false collection account. Ive never been in any business with said company
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled in an accident on XX/XX/19. Ally Financial refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, XXXX ans Equifax ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.
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 deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Respected Sir/Madam iI want to report and seek help on XX/XX/2023, there was an unauthorized transaction of {$1500.00} on my account. I did not make this transaction and have already filed a claim, but it was told that i will receive my credit back in 1 business day today its 4th business and i am fooling again and again daily by chase team by telling that tommorow you will get. I received an alert about the transaction and immediately blocked my card and called customer service, but unfortunately, they were not available. After 18 months of hospitalization, I recently started my job and received my first payment of {$1100.00}. I deposited it and went to a car show. When I returned home, I realized that I had lost my wallet and mobile phone. I immediately logged in from my computer to block all my bank debit and credit cards. At the same time, I received an email notification that my card had been used for the unauthorized transaction. I locked my card and called customer service as soon as they opened on Monday to file a claim. However, I received notice that no action will be taken and dispute is fooling me daily. I need my money back as I have already gone through a lot of struggle to start saving again. This unauthorized transaction is illegal and unauthorized. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied partnership with XXXX based on information from Checkr. The problem is that I am still being flagged for a felony that I have completed deferred adjudicated rehabilitation and therefore there ia to be no conviction and therefore nothing to flag on my record. This has now caused me to be rejected and at a time that I am in dyer need of work.
Product: Mortgage

Due to divorce, I started the process to do a VA assumption loan with Flagstar Bank on or about the beginning of XXXX XXXX ( loan officer XXXX requested my VA COE on XXXX XXXX XXXX ). I was " encouraged '' to refinance with Flagstar because the VA process is lengthy. I declined the offer to refinance especially since it would be at a higher interest rate. Once loan XXXX XXXX completed his part of the process the loan was forwarded to the Assumption department. It was during this process that I encountered delays and excuses for the delay. I was assigned to loan officer XXXX who keep asking for the same information over and over again. I complained to the supervisor of the department about the delays. I realize that the bank must verify my eligibility for the loan however when your asked why your electric bill is on automatic deduction and to write a statement for it, it's over the top. My credit score is high so some of the questions and repeat document requests was clearly to stall the process. Again, I received emails from Flagstar encouraging me to refinance with them. I threatened to report the company to the XXXX because it was obvious, they were using reasons to discourage me from using the VA process. I was assigned a new assumption officer who started the process moving. Only to find out that I was approved twice but nothing was done to attach my VA certificate to the loan. The VA told me that the VA Certificate of Eligibility is the first step on the process. This tactic that Flagstar used to discourage from using my benefits has also caused my ex-husband to pay higher closing costs. Since his certificate is still on the existing loan, he was unable to use his VA loan. I started this process in XXXX, and it is almost XXXX!! Now I did have to get signatures and a quit deed accomplished but all was done within a week.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XX/XX/year>
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 items listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} 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
Product: Credit card or prepaid card

On XX/XX/2022 I received a letter from the Bank of America that a credit card had been opened in my name. It was for the Bank of America Unlimited Rewards Signature visa card. I never applied for this card and I never gave them consent to pull my XXXX score. They pulled my credit with XXXX without my consent. 
Reference number XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself. CAP COLLECT account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAP COLLECT but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAP COLLECT XXXX )
Product: Vehicle loan or lease

this account said that I was 30 days late XX/XX/2018 I do not believe this is correct want this remove
Product: Credit reporting or other personal consumer reports

I hot an alert on XXXX XXXX and XXXX and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's XXXX apartments reporting on TransUnion XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.