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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Dear XXXX : I, XXXX, the consumer and natural person, was denied credit by PINNACLE BANK when I applied as Co-signer for the Amount {$12000.00}. 
Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act which his codified in 15 U.S.C. 1691 ( c ) and is pursuant to Civil Liability under 15 U.S.C 1692 ( K ).

You are subject to criminal liability for violating 15 U.S. C. 1691 as I have proof that I was discriminated against by PINNACLE BANK and this CONSUMER TRANSACTION, has negatively and harmfully impacted my CONSUMER CREDIT REPORT.

PINNACLE BANK is in violation of 15 U.S. Code 1642 USC 1681 ( m ) and 12 CFR 1002.2 ( 2 ) ( z ) because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number /credit card was used and I received NO benefit from this consumer transaction. This is proof of fraudulent activity under 15 USC 1602 ( p ) [ unauthorized of credit card ] on be behalf of PINNACLE BANK.

If your PINNACLE BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card and negative inquiry placed on all credit bureaus ; I will indeed make PINNACLE BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ).

" Without prejudice, All Natural Inalienable Rights Reserved '' ( UCC 1-308 } Thank-you, XXXXXXXX XXXX XXXX XXXX
Product: Credit card

While I was in XXXX on XX/XX/year> my accounts were hacked. I am having trouble with Chase Bank debit transactions ( checking account ) and XXXX credit card transactions. Even though I supplied both companies with a letter from my doctor stating I was in XXXX when these fraudulent charges were made they are telling me that I am liable for some of the charges. A lot of the charges were for digital gift cards, my email account was also hacked. Chase Bank is telling me Im liable for the charges because a small item was sent to my house ( the remaining amount was in gift card charges ). I dont know why XXXX decided I am liable for the 3 remaining charges. Neither company acknowledges that there was no way I could have made these charges since I was under XXXX. I have been dealing with both of these companies since this has happened and I would really like to get this resolved.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting

1 account is not mine 2 accounts I did not accept some credit cards have failed to information
Product: Credit card

XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. 

According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. 


My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. 
Alleged amounts owed on these accounts, have been in close proximation, but never exact. 
XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. 
Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. 
Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. 
Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. 
XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. 
I have never been sent collection letters from XXXX or Capital One. 

I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. 

It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. 

It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. 

Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . 

Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. 

Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. 

Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. 

Please seek immediate removal of each account if the creditors can not provide said verification.
Product: Money transfer, virtual currency, or money service

There's a transaction ( XXXX debit transaction ) transferred money ( {$68.00} ) from my Checking account ( XXXX ) called XXXX payment to XXXX XXXX. I did not recognize that charge and I called chase when the trans was pending. However, chase posted a news letter today, detailing that the transaction is authorized. This is an UNAUTHORIZED transaction and there's no way I sent the same amount of trans two times to two different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

This is a follow-up to the previous two complaints : XXXX and XXXX I received the attached letter from Barclays Card stating that they have attempted to contact me several times via phone regarding the status of this fraud. To date I have received a single phone call from a 'manager ' at Barclays Card on XX/XX/2022 stating that this issue would be resolved within a week from the date of that call. I have received no additional calls or contact nor, as of today, XX/XX/2022 at XXXX XXXX XXXX XXXX has this issue with my account been resolved. Nor has my credit score been restored. Nor have I received compensation for this fraud perpetrated upon myself. 

Barclays is not acting in good faith to resolve this issue that they caused.
Product: Mortgage

On a weekday between the XXXX and XXXX of XX/XX/2019 my mortgage company attempted to call me to let me know that my account was overdue. I had paid my mortgage payment on XX/XX/XXXX but I had not included {$390.00} in escrow payment because my loan to value currently is below the threshold needed to charge this amount. Since that time the company attempts to call me daily up to 3 times a day to collect a payment for the missing escrow value in an amount higher than {$500.00}. I do not owe them this money ; I have no written agreement or contract with the company ; they are attempting to collect monies not due to them which violates the Debt Collection Act of 1982.
Product: Money transfer, virtual currency, or money service

This is in regards to Complaint ID # XXXX that was closed XX/XX/23. I was supposed to receive correspondence in the form of certified letter from Bank of America, explaining the details of why my fraud claim was denied three times ( leading to car repossession, homelessness, and XXXX. ) They did refund the {$3100.00} that was fraudulently stolen from my account, but haven't reached out in ANY way to apologize or explain what happened. This is so insulting...
Product: Credit reporting or other personal consumer reports

I sent letters to all XXXX credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have a complaint to involve XXXX, as well as the collection/or law office they sent the account out to Caine and Weiner ..I was contacted by a XXXX at Caine and Weiner, after asking for my husband and I advised her I am his wife, what is going on, she being to tell me about the outstanding debt due at XXXX, which by all means XXXX never called me one time nor sent any collections notices out before sending my case out!! second the collections agency they sent it through failed to even verify information to confirm that I am the above party wife she just being to go into details I could have been anybody, second that company did not even send me a validation of debt letter, to give me a chance to dispute the reason for none payment after not hearing me out after several phone calls when they raise my insurance because I could not prove I had prior how am I going to prove that when my vehicle was new?? The rep was a very fast talker she could care less what I had to say she gave me the company address so fast, and I am very upset! SHE DID NOT MENTION THIS WAS A ATTMEPT TO COLLECT A DEBT NOR TELLING ME I WAS TALKING ON A RECORDED LINE, SHE ALSO DID NOT VFY ANY INFORMATION CONFIRMING I WAS MY HUSBAND 'S WIFE This is illegal and should not be tolerated!!!! I KNOW MY RIGHTS AND NONE OF THE FDCPA RULES WHERE NOT FOLLOWED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and came across this account and collections that were not made or authorized by me.
Product: Checking or savings account

On XX/XX/2019 at between XXXX hours my wallet with credit card, ID and phone were stolen from my vehicle. ( A police report was filed ). My thieves utilized my cards by accessing my information mostly through telephone transactions. They transferred money from my savings account into my checking account so they could access the money and withdraw money. A total of approximately {$9000.00} was spent and withdrawn from my account by the thieves ( who had no consent from me ). I made a claim with Wells Fargo and attempted to get the surveillance footage from the ATM and the voice recording from the telephone transactions however they told me I needed a court warrant to review them. The fraud department closed my case out after they concluded that I must have provided the thieves with consent or my bank information so they could access my account which is not true. Wells Fargo notified me there is no way to appeal this nor is there anyway they will review video or voice recording for my case to prove I was victimized. Please help!
Product: Checking or savings account

I found out my online saving account transferred out XXXX, XXXX dollars to unknown place without notification on XX/XX/XXXX The transaction happens on XX/XX/XXXX Found out XXXX days later Called HSBC bank, they told me it is through online wire transfer I dont even know how to use this function
Product: Credit card or prepaid card

On XX/XX/2022 I called XXXXXXXX XXXX XXXX bank mobile vibe account which is a student checking account through XXXX XXXX. I lost my card and asked for a fee waiver. The bank denied my fee waiver stating that only I could get the fee waived if it was an error on their end. The bank fee for the replacement card is {$10.00}! I told them that I was a student and I don't have a lot of money to give them! {$10.00} is a lot for a replacement card that is why I applied for the fee waiver. They said that I signed a statement before agreeing to the charge I told them I don't recall any fees such as this one and I have had the account for a few years now. I spoke to XXXX in the Escalation Executive Response Team for XXXX XXXX. The phone number is ( XXXX ) XXXX. 
I would like to speak to someone that works for the bank! Not the monitoring system for the account I feel as if my request was not taken seriously!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXXXXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$610.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have been dealing with both Navient and XXXX as they both reflect different balances. Over the course of many months and with little assistance from the ombudsman, I have had little to no success get answers. One institution will say something in total opposition of the other. I am trying to consolidate my privately owned XXXX loans to direct federal consolidation loans but I am unable to do so as the balance reflected are incorrect. I have been on the phone multiple times with both companies today. Additionally, Navient has an option to XXXX allocate where over payments as be made but there system overrides and splits the balance of the overage instead of paying down my smallest balanced loan as requested. Two customer services representatives have said I will have to call after the payment posts to have the payment reallocate. Come to find out, in the settings there is an option on how allocations are handled. Additionally, Navient advised me previously that in order to correct the balance owed I would have to contact my previous lender Sallie Mae whom last owned my loan in XXXX to insure that my balance is correct. Everyone continues to pass the buck and no one has the authority to do anything. I am working to get a direct consolidation as the only way to get a student loan reassessment based on forbearance over use is to have a direct loan.