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

I opened a checking and savings account on XXXX XX/XX/year> at Everbank. I deposited {$1000.00} between the 2 accounts on XXXX XX/XX/year> from my XXXX XXXX account. When I received my debit card in the mail, it wasn't able to be activated so I called the bank to inquire. I was told that my account was pending closure and my funds would be returned to me via paper check to the address on file. It's now XXXX XX/XX/year> and the accounts are still have not been closed. They are holding my funds without an explanation for why the account is closing. They won't even give an estimate for how long it will take to close the account and return my funds to me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 identity theft report XXXX of XXXX and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. XXXX XXXX IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, XXXX XXXX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN XXXX  REPORT. IF XXXX XXXX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. XXXX XXXX ISSUED XXXX XXXX  XXXX. XXXX XXXX ISSUED BY XXXX XXXX  XXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMER ACCOUNT. XXXX XXXX IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX  ( the Company ), which involved me making deposits for a total amount of XXXX XXXX  from my Wells Fargo account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Checking or savings account

While on vacation in XXXX I observed fraudulent charges being made on my account from Navy Federal Credit Union. 

One in XXXX for XXXX ( 1300 miles from where I was in XXXX ) one in XXXX XXXX for XXXX ( 1100 miles from XXXX ) and another charge with no location for XXXX. I immediately called navy federal and reported fraud and had the card deactivated. After reviewing my case Navy Federal Credit Union said that because the card was in my possession that the charges were not fraudulent and denied my claim. 

I feel that I took corrective action immediately and that Navy Federal Credit Union is not doing their due diligence in investigating my claim and protecting their clients as they are required to do by law. I would greatly appreciate any help rendered in this matter.
Product: Credit card

DISCOVER BANK IS IN VIOLATION OF THE EQUAL CREDIT OPPURTUNITY ACT WHICH STATES 15 U.S.C. 1691-1691f This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. CONSUMER APPLIED FOR ACCESS OF CREDIT VIA THE TENDERING OF AN APPLICATION. APPLICATION # XXXX. ACCESS WAS DENIED ON THE BASIS OF CONSUMER RECEIVING PUBLIC ASSISTANCE AND QUESTIONS WERE ASKED ABOUT CONSUMER 'S DWELLING PAYMENT AMOUNT AND ASSETS. CONSUMER HAS REQUEST A COPY OF THEIR APPLICATION AND ITS VALUATION. DISCOVER BANK RECEIVED AN ASSET BACKED SECURITY IN THE FORM OF A SIGNED APPLICATION BUT CONSUMER DID NOT RECEIVE THE FULL BENEFIT AS PROMISED IN DISCOVER 'S MOST RECENT SEC FILINGS INCLUDING THEIR PROSPECTUS, XXXX AND XXXX FILINGS. AUTHORIZED AGENT FOR PRINCIPAL XXXX XXXX WILL FILE AN INVESTOR COMPLAINT ALONG WITH IRS FORM XXXX REQUEST FOR AN AUDIT OF THE ACCOUNT. Possible penalties for a lender who violates provisions of the ECOA include but are not limited Civil liability for actual damages. Civil liability for punitive damages. Punitive damages are limited to non-governmental entities. Punitive damages are capped as follows : The lesser of {$500000.00} or 1 % of a creditors net worth in a class action lawsuit. {$10000.00} on an individual claim. Costs and attorneys fees awarded to an aggrieved applicant in a successful private action. Equitable and declaratory relief. This complaint is being submitted Without Recourse and with All Equitable and ALL Inalienable Rights Reserved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.
Product: Mortgage

On XX/XX/2019, I refinanced my mortgage with XXXX  XXXX XXXX, and closed my loan at SunTrust Mortgage. On XX/XX/19, I paid my property taxes personally at the City  of XXXX, MA in the amount of {$1400.00} so I could close on this date. I received a payoff quote from SunTrust on XX/XX/19 in the amount of {$330000.00}. On XX/XX/XXXX, SunTrust also paid the property taxes, during this time I requested that they not pay the taxes and they told me that they were unable to remove the funds since they were already on the " spreadsheet '', however they would return the funds to me once the City of XXXX sends them back. I continuously called and asked for updates. On XX/XX/XXXX, I called the City of XXXX and asked if they have sent the funds back to SunTrust, they were due to be sent out that day. On XX/XX/XXXX, I contacted SunTrust again, they said that the funds have not been received. On or about XX/XX/XXXX, I contacted SunTrust again and the funds had been received, but they had to wait for the funds to clear the account before a check refund could be processed. I called again on XX/XX/XXXX to validate the funds have been cleared and was assured they were and a check would be issued. On XX/XX/XXXX, I contacted them yet again, and this time they informed me that I would not be receiving the refund as they had advanced the funds to me and did not include that amount in their initial Payoff Statement, then they quoted me an additional payoff statement in the amount {$330000.00} for XX/XX/XXXX. My loan was closed on XX/XX/XXXX. At no time during my initial conversations was I informed that I would not be receiving the funds back until XX/XX/XXXX. I spoke to several different departments, Customer Services, Property Tax & Escrow and escalated the call after being on hold for at 40 minutes each time. I believe I am entitled to the funds as I paid my taxes myself. Why would SunTrust pay taxes on a mortgage they no longer own and also use a different payoff figure 15 days later? I would like an escrow analysis done on my account. Also I can provide you all of the documentation and my broker 's contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my XXXX Is XXXX XXXX that I had leased through Toyota XXXX XXXX XXXX I called Toyota Financial Services on XX/XX/XXXX to inquire of this inaccuracy and spoke with customer service and was informed that payment had been received in XXXX on the XXXX and next payment due wouldve been XX/XX/XXXX as my usual due date. Payment was due XX/XX/XXXX and vehicle was declared a total loss XX/XX/XXXX by XXXX and paid with account closed XX/XX/XXXX. 
The late payment is inaccurate as XX/XX/XXXX wouldve been the accurate XXXX day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance XX/XX/XXXX. Being that this account is in closed status as of XX/XX/XXXX and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score forinaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. Ive attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.
Product: Credit card or prepaid card

MetaBank sent me an unsolicited card ( ready for activation ) by mail, to my old address ( luckily it was forwarded to me ) in a card requesting my direct deposit ( bank account ) information. When I tried to call the number on the back of the card, it kept asking for my full social security number, which I would not enter because, again, I did not request the card so I'm not even sure if this is a legitimate business. Because I would not enter my information, the automated system just hung up on me with no option to speak to a representative. I work in the banking industry and have never heard of this practice of just sending out live cards for activation to people who did not actively request them.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiry in my experian credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in XXXX and Equifax that I have NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried Several Times through the Credit Bureau 's as well as through several letters l have sent directly to Conns Appliances Inc/ Conn Credit Corp ( See Attachment ) to get Conns Appliances to send  me the Documents required by Law to share to be what they claim l owe, as they are under Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information , and for which are responsible to furnish  to me or else Delete that on my credit reports. 

I called the Customer Agents on the phone numbers on my reports and letters l have sent have not been responded to for over 30 plus days and they could not validate the referenced accounts and hence, how is this possible to be reported to the Credit Bureaus without documentation proof with my signatures and all related supporting signed details l am to be furnished with they have violated FCRA 623 ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER, They have been unable to perform a reasonable investigation, unable to locate the necessary documents to investigate my dispute ( s ) ; then are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account ASAP.
Product: Debt collection

ARS ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt. The company has only provided date of service on XX/XX/XXXX with an outstanding bill of {$1200.00}. This is not adequate proof that I owe this bill. However, I have proof of a XXXX outstanding balance related to the service date of XX/XX/XXXX. Therefore I do not owe. 

I have attached the documentation. 

I wish to have this removed from XXXX, XXXX, and XXXX credit reports immediately and for ARS to stop contacting me. 

Thank you.
Product: Debt collection

After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}
Product: Credit card

XX/XX/, I made a purchase of {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two pieces of furniture were not picked up until XX/XX/2023. The manager, XXXX, advised me to leave the bar there to be repaired. The bar was not repaired in the store as promised so a refund of {$170.00} was given but never received by XXXX XXXX XXXX XXXX XXXXXXXX which are affiliated, one and the same. 
The recliner chair was defective, the date of purchase of the furniture was listed as XX/XX/2023 and that is not true. Also the discounts on my invoice were twice what was actually given to me. Thus, XXXX XXXX agreed via email to reimburse the entire {$540.00} for me to have a XXXX balance. XXXX XXXX claimed this had been done but I was still charged a late fee of {$29.00} even though XXXX XXXX sent emails stating the account would be refunded in full and even though I had disputed the entire amount with XXXXXXXX XXXX XXXX XXXX XXXX. I have sent the copy of emails stating the balance would be paid in full and the account would be XXXX. 

It is my understanding that XXXX XXXX is being sued in the State of Florida for the same complaints that I am filing now. The legal action is being taken by the Attorney General in the State of California for what appears to be similar corruption.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORELOGIC CREDCO LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law. 

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.
Product: Credit card

I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of XXXX County ( stating I am executor ) several times. I have had enough of their incompetence. Every other creditor has been easy to work with and closed the account/credited any interest since the deceased 's date of death. I have no idea why this company can not improve customer service for those who have lost a friend or family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

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 Has 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 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 items 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: Debt collection

Received numerous harassing calls at different times. On XX/XX/2024 advised to discontinue making calls
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. 
Sub-section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub-section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. 
ADDITIONAL UNAUTHORIZED INQUIRES - XXXX, XXXXXXXX XXXX XXXX