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

Due to XXXX hard inquires on my account that I did not authorize, I would like those taken off immediately please. The dates range from XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.
Product: Checking or savings account

My daughters are XXXX and XXXX and both have full time jobs, I was paying XXXX a month for XXXX of them. I saw the truth of the trusts and court wouldn't leave me alone so I quit my job to find the truth of the XXXX XXXX name. Once I realized I just ignore court orders or mail a dismissal which a lot ignore me and write bonds on my XXXX  anyway. XXXX XXXX sends me invitations for court suing me from the third party position and my daughters mom isn't calling them and asking for help, she's remarried living life. They're XXXX  with me, XXXX contacted my bank and sent them a notice of XXXX letter, no signature of a judge, no warrant just a direct violation of my Constitutionally Protected rights. Total subrogation of Common LAw. State Employees Credit Union Allowed the hold on my account which is what makes me madder than anything cause I've trusted them for years and instead of doing what is right or sticking to the law, they do what they want. Its wrong in every way.
Product: Checking or savings account

Good day dear Madam/Sir I am a citizen and a resident of the state of XXXX, in the XXXX XXXX. 
My complaint is of Citi Bank employees failure to provide me with accurate and true data from XX/XX/2021 - the day I called to close my checking account. 
One of them also waved away my request for XXXX $ US reimbursement of my XX/XX/XXXX, and XX/XX/2021 telephone talks with Citi Bank Customer Service - International call rate. 
In my attached letter is my present demand from Citi Bank.
Product: Credit reporting or other personal consumer reports

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

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States CXXXXe Law ( TILA XXXX XXXX CXXXXe XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( XXXX ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I transferred money via XXXX through my Wells Fargo app for concert tickets. I transferred {$400.00} from my Wells Fargo savings account to the seller. After realizing I was scammed, I immediately called and filed a claim with Wells Fargo and received a case number. Have not heard back after filing the incident.
Product: Checking or savings account

{$50000.00} Fraudulent ACH transactions over XXXX period in XXXX : I am filing this complaint on behalf of my XXXXXXXX XXXX XXXX XXXX  and I am the Financial and Health Power of Attorney ( See attached documents ). Since your System Requires filling complaint for Others '', my mother must have a phone and an email address. She is a XXXX XXXX and does not have private phone, nor has she ever had an email address. I filled out the Complaint form as " myself ''. 

My mother was paying the bills and balancing her own checking account until XX/XX/XXXX. She had XXXX hr in-home care paying for a professional service, then we moved her into a XXXX XXXX in XX/XX/XXXX. At that time, I took over her checking account and started paying her bills. 

I noticed that unauthorized ACH debits were on her XXXX statement. In XXXX I started calling these companies that made the unauthorized ACH, but did not get anywhere because I was not my mom. I went to the PNC bank in the middle of XX/XX/XXXX and told me not to shut down the account, because if I shut down the account, they would not be able to help me with the unauthorized transactions. I asked the PNC Bank branch manager to see if the fraudulent transaction would be reimbursed. He said would look into the account. Because PNC kept giving the account overdraft fees, I decided, against PNC " will '' to close my mother 's account on XX/XX/XXXX. The PNC branch manager put in a request at a higher corporate level to refund 3 months of fraudulent ACH transactions. I filled a police report in XX/XX/XXXX ( See attached documents. In XX/XX/XXXX I had another meeting with the PNC bank manager, and he said a Report was filed with corporate and he is still waiting for a response. The XXXX XXXX XXXX detective in XX/XX/XXXX, said he has many leads, a person of interest identified, and XXXX XXXX is involved because many ACH transactions accorded out of state of Illinois. I returned to the PNC bank in XX/XX/XXXX and asked if my XXXX yr old mother 's account will be covered by fraudulent activity, he said no. I contacted an attorney specializing litigation against banks, he said if it's not more than $ XXXX, then the case is too small. {$50000.00} would pay for 5 months in her XXXX XXXX, that's a lot of money. The XXXX XXXX XXXX detective confirmed we may get someone prosecuted and convicted but may never see any reimbursement.
Product: Debt collection

On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX   and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX  or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy .... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 Balance : {$460.00}
Product: Credit card or prepaid card

I have been incarcerated since XXXX/XXXX/XXXX I have inquiries on my credit report
Product: Credit reporting or other personal consumer reports

DISCOVER BANK XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Credit reporting or other personal consumer reports

This account has reported late in my credit report for over 7 years now per fcra laws an account will be removed from account after 7 years I have attempted to resolve with experian and equifax and they do not fix it. 

XXXX was the only one that followed the law and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
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.
Product: Credit reporting or other personal consumer reports

WAKEFIELD & ASSOCIATES , LLC VIOLATION OF THE HIPPA LAW : WAKEFIELD & ASSOCIATES FRAUDULENTLY AND ILLEGALLY ACCESSED MY PERSONAL INFORMATION. 
ON XX/XX/2024 WAKEFIELD & ASSOCIATES ADMITTED ON CFPB THAT XXXX XXXX XXXX XXXX XXXX, XXXX PLACED MY PERSONAL HEALTH INFORMATION ACCOUNTS WITH WAKEFIELD & ASSOCIATES ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information WAKEFIELD & ASSOCIATES , LLC has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy WAKEFIELD & ASSOCIATES did not clearly and conspicuously provide the disclosure forms.
Product: Credit card

In XX/XX/year> I purchased an air-conditioner and new duct work for my daughter 's home from XXXX XXXX, a vendor working out of Costco stores . My daughter has a XXXXXXXX XXXX XXXX child and is pregnant with my granddaughter and their existing AC while only four years old, was not cooling the house properly. The cost was {$15000.00}. XXXX XXXXXXXX installed the AC unit but said they could not install the new duct work. Since I had paid them to install both and they were NOT priced separately, I filed a dispute with Citi Bank until the matter could be resolved with XXXX XXXX as to how much money I would be refunded for the work NOT done. The XXXX XXXX also did not cool the house properly. Citi Bank initially reversed the {$15000.00} charge on my Citi Costco Visa card but unilaterly decided to close the dispute and place the {$15000.00} charge on my Citi Costco Visa card. This was despite the fact that I had provided them copies of all the documents they requested multiple times. Further, Citi demanded minimum payments in excess of XXXX. To add insult to injury, they damaged my XXXX credit rating and charged me interest on work that was NOT completed. 

After months of negotiating with XXXX XXXX, they agreed to credit me {$11000.00} for the duct work they were unable to do. Since Citi Bank Visa forced to make payments on the charge that I had rightfully disputed, I ended up having a credit of {$2200.00}. I have repeated asked Citi Bank Visa to return the credit on my account to my bank account. I have spoken to many people at Citi Bank, all of which state that they are working on it. On XXXX XXXX and XXXX, XXXX I spoked with XXXX XXXX, XXXX, in their Legal Dept. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX and XXXX at XXXXXXXX XXXX in the XXXX XXXX. There are many more I have contacted to no avail. 

Because of the totally disrespectful and dismissive way I have been treated by Citi Visa, I plan to close my Citi Costco Visa account as soon as I receive my credit refund. This is my money and they have no valid reason to keep my money, but are doing so. Yet, their excuse for over a month is that they are working on it. 

I would appreciate any help you can give me in getting MY money refunded. Thank you.
Product: Credit reporting or other personal consumer reports

I reached out to child support offices in regards to them reporting to the bureaus of any debt or accts, they notified me that they dont, this debt is hurting my credit and it wasnt reported by them, the credit bureaus under fcra should not be reporting this debt it is a violation, so I want them to show proof of anything that the state of florida provided them to report this debt not public records
Product: Checking or savings account

I opened both checking ( ending with XXXX ) and savings ( ending with XXXX ) account at XXXX XXXX XXXX Chase branch around the beginning of XX/XX/2020. However, after I attempted to make a transfer of {$15000.00} to initially fund the account on XX/XX/XXXX, the transfer was cancelled on XX/XX/XXXX ( Attachment # 1 ). I also got a letter date XX/XX/XXXX that state that there is an unusual activity on my account ( Attachment # 2 ),  which I tried to contact Chase  promptly on XX/XX/XXXX 1 ) via phone to the call center with extremely long wait time of more than an hour 2 ) via phone to a banker at local branch and 3 ) via secure message ( Attachment # 3 ). However, both of my accounts were still closed by Chase due to the transfer on the same day, XX/XX/XXXX, state that " you didn't provide information we requested '' ( Attachment # 4 ), which would be impossible to response since the notice is issue the same day as the closure. This made it clear that the closure of these accounts are not my fault. 

Today ( XX/XX/XXXX ), I tried to reopen both checking and savings account at Chase branch with {$600.00} coupon offer code XXXX XXXX XXXX XXXX ( Attachment # 5 ) at the same local branch. The banker informed me that the system does not accept the coupon because of the accounts there were opened on XXXX and closed by Chase shortly afterwards and I will have to wait for two years if I want to get an opening bonus again. 

However, the coupon wording clearly that You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Since I have never received any bonus from Chase. It is clear that I should be able to use the coupon, especially since the past closure of both of my accounts were clearly not due to my fault. 

As such, I request that Chase modify the system to allow me to use the {$600.00} coupon or provide any other means that would allow me to open both checking and savings account and receive {$600.00} opening bonus in the same way as with using the coupon. 

To be clear, I would like to say that all the bankers at local branch are very helpful, treat me very nicely and I would like to thanks them for all the help so far. However, the process of opening the accounts at Chase overall is extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by a credit monitoring service that an address was reported to my Equifax credit profile. Its an address that Ive never resided at. Ever since the reported breach from Equifax Ive been having to file disputes for incorrect information being added to my credit profile with this company only.
Product: Checking or savings account

XX/XX/21 chase bank closed my account. 
Chase bank didnt send my money {$2400.00} I went to bank 3times and made a phone call multiple times but each time they said they will mail me a check but they didnt
Product: Credit card or prepaid card

I would like to report a possible violation of the Fair Credit Billing Act by Discover Bank, with respect to its recent reporting of my account being 30-days past due, despite the fact that the balance, previously XXXX, accrued a balance on the basis of transactions ( and associated fees ) that have now been determined to be fraudulent. 

Subsequent to the identification of this unauthorized activity on XX/XX/2021, the charges and fees have been appropriately credited back to me, leaving the balance again at XXXX ( in the absence of any payments by me over this time ). Therefore, obviously the account would never have been late, if not for the fraudulent use of the card. I have voiced my concerns on this reporting matter several times to Discover specialists, both on XX/XX/2021 and on XX/XX/2021. I have been assured the credit report entry will be correctly re-entered, but as this has not occurred yet, I am concerned as to whether this situation will need to be escalated to achieve the outcome I was promised. 

I see no evidence from my recent review of my credit report, or in discussions with the Company, that this data has been corrected as of yet. The original reporting of this lateness has had a catastrophic impact on my credit score, causing it to immediately crash by 96 points. In these challenging economic times, it can not be overstated the potential impact of this outcome to my finances. As it is based on an inaccuracy, it needs to be corrected immediately by Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  XXXX XXXX Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the account.
Product: Credit card

THIS COMPANY HAS FAILED TO FIX MY RESTRICTION I GAVE THEM A UTILITY BILL AND MY FRONT AMD BACK OF ID AND THEY ARE STILL REQUESTING OTHER CONFIDENTIAL INFORMATION THAT I FEEL THAT IS NOT SAFE THIS COMPANY HAS ALREADY HAD A DATA BREACH AND THEY CONTINUOUSLY ASK FOR OTHER CONFIDENTIAL INFORMATION AFTER ISSUING THE CARD WHY NOT ASK FOR THIS INFORMATION BEFORE ISSUING ME A CARD ALSO THIS COMPANY HAS BEEN SUED FOR THE XXXX XXXX DOLLAR DATA BREACH I WOULD LIKE THIS COMPANY TO FIX MY ACCOUNT ALSO THEY WANT ME TO MAKE A PAYMENT WHEN MY ACCOUNT IS RESTRICTED BUT I CANT USE IT I FEEL LIKE THIS COMPANY IS SELLING US CITIZENS INFORMATION TOO THIRD PARTIES
Product: Credit card or prepaid card

My card was stolen and Direct Express notified! After it was stolen someone charged {$470.00} on XX/XX/XXXX ; {$1100.00} with XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX & {$130.00} with XXXX XXXX. Direct Express sent me a TXT before processing payment to XXXX XXXX & I told them it was fraudulent. 
I had a prior card stolen & someone used an ATM to withdraw {$160.00} on XX/XX/XXXX. 
I disputed the {$160.00} several months ago & never received a provisional nor permanent credit. All ATM machines have camera videos which will prove it wasnt an ATM withdrawal by me. I disputed the transactions from XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX, was told I would receive by email a written formal dispute which I have not.