23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Debt collection

I have been charged a Late Fee on two occasions. In both instances, the payment was made and check deposited by Capital prior to due date. The company has reversed the charges claiming it was a Computer error.
Product: Credit card or prepaid card

I received a statement in the mail with my name and address from XXXX XXXX ( TD Card Retail Services ) which I did not apply for nor make any purchases on. The statement concerns me because both my name and address are correct. It shows two phones were purchased on XX/XX/20 for a total of {$1900.00} and then returned on XXXX/XXXX/20 and the balance was credited back to the account. The account currently shows no balance owed with a credit limit of {$2200.00}. I never applied for this account nor did I make any charges. 
As soon as I received the statement I called the number provided immediately ( XXXX ) XXXX and was on hold for 42 minutes before hanging up, this was on XXXX/XXXX/20 at XXXX. I called twice again the morning of XXXX/XXXX/20 the first time at XXXX and was on hold for 46 minutes before hanging up. I also have my savings and checking account through TD Bank and I called the regular TD Bank help line ( XXXX ) XXXX at XXXX, I spoke with a representative that could not help me but transferred me to the Retail Card Services division where I stayed on hold for 1hr and 2 minutes before finally hanging up. I made a last attempt this morning, XXXX/XXXX/20 at XXXX XXXX  and gave up after 25 minutes. 
I never opened this account nor did I make any charges or returns on this account. The hold time I experienced and the service I have received from TD Bank Retail Service is horrible.
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, leading me to believe that my identity may have been stolen. As I did not authorize these accounts, I am formally requesting their immediate removal. Despite previously reporting this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts inaccurately reflect my credit history and financial responsibility. If this matter is not promptly addressed, I am prepared to take legal action to protect my rights. The presence of these erroneous items is severely impacting my financial goals, including purchasing a home and supporting my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

fcra violations > not mine : remove it : alll : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$64.00} XXXX XXXX account. {$64.00} past due as of XX/XX/XXXX. 
FAIR COLLECTIONS & OUTSOURCING Potentially negative Date opened XX/XX/XXXX Balance {$7100.00} Status Collection account. {$7100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} Status Account charged off. {$310.00} written off. {$310.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Multifamily XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX LEADENHALL XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAPITAL XXXX XXXX XXXX Auto Financing Companies Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  NA Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX FINANCIAL SER Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Local Telephone Service Providers XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of state of Texas medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I came to the Wells Fargo establishment in XXXX. Store location XXXX. The service manager XXXX XXXX XXXX XXXX XXXX refuses to give me my money. 

I arrived to the bank the first time to withdraw {$3500.00} and she XXXX XXXX XXXX XXXX said I needed my drivers license I used to open my account ; even though I had my ID with the same address on it. Ive also withdrawn money using my ID previously. 

I went home and came back stood in the long line with the appropriate credentials ; I was called by a gentleman teller who just started his shift because I was in the long line outside when he walked into the bank. 

He told him my request and he was assisting me. I filled out my deposit slip and passed it to him and as He was typing : She XXXX XXXX XXXX XXXX said something to him then told me : that since I didnt fill out some papers that the bank sent me in the mail ( that Ive never gotten ; nor seen ) she didnt even show me, nor offer to get the form for me to see. That I couldnt take out any money from the bank. Bank policy. 

I asked Whats The Policy? She told me you can Only Get Money from the ATM outside. Ive never felt more disrespected in my life. Why? What policy? 



And for the money to be held ; holding me up from my conducting my family business XXXX XXXX XXXX XXXX. is horrible. We have to pay a car off that comes with late fees if it doesnt get purchased within a short time period or potentially lose the car totally. 

I feel violated of some many levels as a man who does good business I like to keep those same ties as this is a new venture that is being ruined on their behalf. 

I felt like I was prejudiced. Treated unprofessionally and stereotyped by the service managers personal beliefs over the consistute over the rules that govern the bank as I expressed my dire need of the funds to conduct major business for my family company. But this is my second trust issue with the bank which is why I changed my direct deposit from them prior to this. 

But to be denied my funds To Run my familys company and conduct my day to day business as a small business owner is vital. But I asked to be treated with decency when I come into the bank in my pajamas before I get dressed for the day. 
As I get treated when I come into the bank with my clothes on. Thats fair, professional, trusted, leading business as opposed to bias based assumptions that cripple small businesses to paperwork!!! 

I would definitely like this bank to compensate me for all lost damages and time and treat me as a valued customer with respect and decency. They made me raise my voice in public to ask a question.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the following fraudulent account and unauthorized inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} Unauthorized Inquiry : XXXX Date : XX/XX/XXXX
Product: Checking or savings account

I can not open any bank account and my previous bank account got hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I spent two hours trying to get someone on the phone to assist me in getting Toyota Motor Credit Corp. removed as a lienholder as shown on the XXXX XXXXXXXX XXXX XXXXXXXX Department Boat Asset Details ( see Exhibit A ). I spoke with XXXX, Agent # WJVW, XXXX Agent # XXXX, and Supervisor XXXX Agent # XXXX and nobody could provide me with a person that could resolve my issue in a timely manner, nor could they provide an email where I could send the evidence showing Toyota Motor Credit Corp. has a XXXX on my boat title. XXXX XXXX could not disclose his direct XXXX and said the only way to resolve this matter is to send a fax. Nobody could find an account number and I was told that Toyota Motor Credit Corp. did not even make loans for boats. I was given XXXX XXXX # ( XXXX ) XXXX which did not even work. In addition, the Toyota Motor Credit Corp. number displayed in XXXX searches ( XXXX ) XXXX did not even work.
Product: Credit card or prepaid card

Hello, This is regarding the closed claim # XXXX filed on XX/XX/XXXX with Comenity Bank XXXX XXXX XXXX XXXX credit card issuer. I see that the bank responded with the following message via your website ( I never received any letters or notifications from them with any explanation before I found their response here ) : 1. " We received your payment of {$95.00} on XX/XX/XXXX ; however, since it was paid on your old account ending XXXX, the payment didnt apply to this account and was returned to your bank on XX/XX/XXXX. '' - I never received any {$95.00} back on XX/XX/XXXX - this NOT true. 

XXXX. " We've issued a refund check for {$77.00} '' - it was received but no explanation was provided. 

XXXX. I had to pay an extra {$170.00} on XX/XX/XXXX, to close the account, so they wouldn't be reporting me as a delinquent account. So they charged me TWICE, actually- on XX/XX/XXXX and XX/XX/XXXX. 

4. " Weve reviewed the relevant telephone calls, XXXX XXXX XXXX correspondence, and the disputed information. We found instances where your concerns were not addressed and the account wasnt serviced to our standards. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. '' - Their customer service was the WORST nightmare ever. I've never experienced such an unprofessional handling of an issue in my life that was going on for almost 7 months! Because of this situation, my credit score was at the XXXX point and went XXXX to a XXXX XXXX  I was stressed out, had health issues, and had XXXX for several months due to this situation. 

Thank you and I hope you will be able to forward this information to Comenity Bank and inform them that I am NOT happy at all. 

Respectfully, XXXX XXXX
Product: Vehicle loan or lease

I sent letters out, and call and still no replies to get this Charge off and Closed Accounts off which make no sense .Account shows charge off and was paid.l completely off.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. New City Funding Account # XXXX, has violated my rights. XXXX XXXX CO Reference # 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 15 U.S.C 1681c. 9a0950 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XX/XX/2022 Tried calling TransUnion to get fraud ( hard inquiries on XX/XX/2022 ) removed from my account. They stated that they can not do it without written authorization from the banks. I am unable to get in touch with the banks ( XXXX XXXX, XXXX XXXX Bank ) to get this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 10 inquiries on my report that are fraudulent. Ive never had accounts with these businesses and where have I requested to open accounts with these businesses Ive disputed them dozens of times and they keep mailing back saying that they were accurate but when I asked for the information and determining The decision they never comply and send it but the letters state that I have the right to request this information but i never received anything only letters saying that my disputes are frivolous. Its very frustrating because I feel like Im at the point Im being discriminated against because they dont want to do their job that theyre paid to do which is investigate each inquiry.
Product: Checking or savings account

I Wired {$24000.00} to XXXX XXXX, XXXX on behalf of Signature Bank on XX/XX/2022. I forgot to add my account identifier XXXX to the memo field and I informed Signature Bank with a phone call to look into my wire. The Branch manager at Signature Bank refused to even look into it and told me to contact my bank. My bank simply said all Signature bank has to do is look at the wire tracking # ( same as fedwire # ) XXXX
Product: Credit card or prepaid card

There are 3 Credit Ratings Companies ( Top 3 ) all give me a credit score from XXXX to XXXX out of XXXX. Now it is very puzzling when they decide to give someone a credit card, why they fail to use the credit score? Or why they refuse how good this guy credit rating is? 

when I go buy a car, They tell me your credit score is in 5 percentile and very good. 

I have had business both personal and corporate with Wells Fargo BanK long before that started with XXXX XXXX XXXX XXXX NC and then Wachovia Bank, all of these are now within Wells Fargo Bank. So there is a clear knowledge base for the company to make decision. Nothing more important than the Credit Score which clearly show the character of the person getting the credit card. I had never had a returned check through out the 50 years of work experience and never failed to pay my bills, if they were mine, and not paying them ontime. 

The excuse they bring is " you need to do things to improve your credit score ''. This clearly show the persons who is actually reading and sending out these letters are not highly qualified people. 

The only plausible explanation is the pure prejudice because of my XXXX name, which by itself does not necessarily determine the character of the person. 

I would like to send you the two letters I received from these folks and you would explain how this can be anything else other than prejudice. 

The letters provide details needed, I did not include those details here. 

Please allow me to know how I can send you the letters from Wachovia. 

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

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EXPERIAN RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EXPERIAN SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EXPERIAN FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b )
Product: Mortgage

After we closed on our home XXXX XXXX XXXX XXXX TX ( XX/XX/XXXX ) the very next day, the realtor ( XXXX XXXX ) changed the locked on the home I purchased because XXXX XXXX ( branch XXXX for XXXX XXXX home loans ) said I owed an additional {$1000.00} to the title company. At the time of closing, I paid exactly what XXXX 's email stated I should bring to closing. Then after I closed, the realtor changed the locks on the home. 

XXXX stated we would not have to pay taxes on our home because my husband is XXXX. We lived in the home for 3 months in XXXX and had to pay between $ XXXX {$9000.00} in taxes for XXXX. For some reason at the closing, the taxes were not paid for in XXXX and were charged to us in XX/XX/XXXX. The mortgage company XXXX XXXX   paid the taxes on our behalf ( XXXX XXXX ) but we were unaware that the taxes were not taken care of for the time period we did not live in the home ( XXXX XXXX - XX/XX/XXXX )
Product: Checking or savings account

i asked chime to send me closure check they said they will only be able to send it if they can send it to the address as listed on account. I asked him since Im in control. Can I change the address since Im inside the account now and I pass all my verification and all that stuff they said yes anyways they end up sending the check still to the old address which I didnt even get that check when they sent it to the old address they want me to confirm my new address with the billing statement I dont have a utility confirming the address. I barely just moved here to my new place not even just 1 months ago so I wasnt able to verify that now they give me a hard time about giving me my check and its been over two months now day I call every day they dont answer me nothing
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX46.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}