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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Fraudulently opened Identity stolen XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00} XXXX XXXX opened with account # XXXX  XX/XX/XXXX and a balance of {$760.00} XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$190.00} XXXX & XXXX XXXX XXXX XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$1700.00} Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Checking or savings account

Bank of America dishonored a check I wrote to my client which caused my client to incur a {$12.00} fee. 

Bank of America refused to make good on the {$12.00} fee that was incurred. 

I wrote a check for {$41000.00} to my client on XX/XX/, and my client deposited the check into their account on about XX/XX/. Instead of honoring the check I personally wrote, or contacting me about any concerns Bank of America had before dishonoring the check, the check was dishonored on XX/XX/, and the funds returned to me. 

My client incurred a {$12.00} returned check fee due to Bank of America 's error. 

I have today, XX/XX/, tried to correct the issue and have Bank of America make good on the {$12.00} fee which their error caused, but they have refused to, and they will not make good on the costs their error caused.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Transunions actions may also have contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts of which I have had problems with : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX.Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXXm very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

Experian is report inaccurate information on my credit report. The inaccurate address that is being reported is XXXX XXXX XXXX XXXX, XXXX XXXX. This address is a place of business. I have never lived at this address please delete.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. 
Please update the status to paid as agreed on my credit report XXXX XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXX XXXX XXXX  *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/XXXX - {$490.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX On XX/XX/XXXX I ordered {$500.00} worth of clothes from XXXX. 
It has been 241 days and the package has not come in yet. The order " shipped '' XX/XX/XXXX. However, the package has not come in yet and on the tracking info it says " shipment label created '' and that is all. 

I have contacted my bank, wells fargo, and opened up a claim but it was closed shortly after by them saying it has been 120 days since the point of purchase so I can't issue a refund. 

I have contacted XXXX and they have been incoherent within their responses and now, they have stopped responding.
Product: Debt collection

I was contacted by someone on  X/XX/2017    at  XXXX  using a restricted number claiming to be a 3rd party who is filing a motion to prosecute me for a debt. That person called repeatedly from a restricted number until I answered. He told me that he knew my address and to be home tomorrow between specific times to sign for a court document. I asked about the nature of the document and he gave me a name and a number to contact   XXXX   XXXX   XXXX   at phone number  XXXX  with Case number  XXXX  and said to ask for  XXXX   XXXX  the arbitrator. When I called  XXXX   XXXX  she became extremely hostile after I asked what the debt was about. She said there is no way for me to pay the debt without going to court and threatened to call my employer and ruin my credit. She then hung up on me. I called her back repeatedly until she answered and she began shouting threats at me and calling me names. She threatened to put me in jail, call the police on me for calling her back, she said she was going to ruin my credit, and garnish my wages. She called me a " little man in a big mans body '', she called me other stuff too that I ca n't remember because I was trying to calm her down to communicate what this was all about. I attempted to call her back several times and she kept hanging up on me. The whole situation is extremely disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of 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 they 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, LA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00}
Product: Credit card or prepaid card

I received a text from Bank of America in XXXX asking me to contact them about XXXX charges ( XXXX for {$470.00} and the other for {$19.00} ) that they were not paying until I confirmed that they were legitimate charges. The charges claimed to be from XXXX XXXX ( a company I had done business with at XXXX time but not after XXXX ). 

I called the number provided and told the person who answered that the claims were not legitimate and should not be paid. On the same phone call, the Bank of America representative and I agreed that my credit card should be canceled and a new card issued. According to an email I received from Bank of America, the new card was shipped to me on XX/XX/XXXX. 

According to Bank of America records, the charges I had confirmed were fraudulent were applied to my account on XX/XX/XXXX, and posted to my account the next day. These charges first appeared on my statement for the period XX/XX/XXXX to XX/XX/XXXX. By XX/XX/XXXX ( XXXX days after the statement date ), Bank of America issued temporary credits for both charges to my account while they investigated my claim that the charges were not legitimate. 

Since then, I have contacted XXXX XXXX, and a representative sent me an email at my request stating that they had not billed me anything since XXXX. Unfortunately, I accidentally deleted that email, but I am sure I can get it replaced. An internet search revealed that fraudulent charges claiming to be from XXXX XXXX have been an ongoing problem. 

Since XXXX, Bank of America has informed me that, " unfortunately, '' they were unable to honor my claim. When I gave them additional proof that I had not authorized the charges, they reopened their investigation and eventually made the same ruling. A representative of Bank of America explained to me on the phone yesterday that I had not filed my claim within the time allowed by Bank of America 's rules, as stated in their paperwork when I opened my account. I believe she said I had to do it within XXXX weeks. Clearly, I did meet that deadline because the bank statement that revealed to me that Bank of America had charged my account was not issued until XX/XX/XXXX, and Bank of America had responded to my claims by XX/XX/XXXX. 

At this point, Bank of America is stonewalling me. I have proof of everything I have described in this complaint.
Product: Money transfer, virtual currency, or money service

The atm pnc bank took XXXX from my account but didnt dispense the money and the atm has camera footage but they want use it as evidence to prove they didnt give me my money
Product: Debt collection

Midland Funding LLC is out of XXXXompliance. According to 15 U.S.C. 1681e. This collection agency has not provided documentation as to how my information was obtain. 

The account number is XXXX XXXX XXXX XXXX XXXX  XXXX. Midland Funding LLC does not have a license to place collections in the State of Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.
Product: Debt collection

I contacted the credit reporting company XXXX and XXXX that I had contested California account services collection service account listed as a negative on my report. I contacted the collections, they sent me a packet of nothing but bills. As suspected there was no proof other than a stack of bills. With XXXX a name on them no ID, No passport and no proof. As I had suspected.., it was not my account. I contacted XXXX and XXXX on XXXX and initiated a dispite XXXX quickly removed the account from my credit report!. XXXX is l still in process. California account services posted account to my credit as well as others damaging my credit as a result I loss my job of 24 years have no car to get to a job. Of equal pay and career level of XXXX. 
After winning at XXXX I received a poorly printed letter in the mail telling me they had raised amount due from? XXXX to XXXX over night. These people need to be reminded that they are trying to collect account from the wrong person and XXXX needs to follow and remove this account, As well. It is not ok to ruine some ones life on a bunch of bills with out any proper photo id on file, no copies of any ID. Just a stack of bills with names printed on them. 
I 'm sure the hospital treated Some one, but it was not me. Please remove from XXXX and provide documentation that the account ca n't be collected on in the future by being sold so when it appears again I have solid proof that it has to be removed
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Date of Birth XXXX XX/XX/year> Incorrect DOB - XXXX Name XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX
Product: Bank account or service

This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves.
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither Equifax, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : XXXX XXXX XXXX XXXX Absolute Resolutions XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and XXXX failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.
Product: Credit reporting 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent inquiries that have appeared on my credit report. I am a victim of a data breach, and I believe that these inquiries were made without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following inquiries from my credit report as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX