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

On XX/XX/2019, US Bank made an erroneous debit of {$290.00} to my checking account. This made my account go negative. On XX/XX/2019, US Bank  issued a check for the same amount of {$290.00} to me. On XX/XX/2019, US Bank closed my checking account with the negative balance caused by their mistake, and placed it with a collection agency. 
I have spoken with my main branch, cardmember services, recovery, and customer service on multiple occasions. On each call, or visit, I have been transferred to multiple departments without the situation being resolved. 

I never asked to have my checking account closed. I have not cashed the check they sent to me. After they closed my account, I was unable to use my online banking. The notice US Bank sent me stated that there was a withdrawal of {$290.00}, but did not provide any details as to who initiated the transaction. I only learned that US Bank made the debit, after visiting my local branch, but the teller did not know why. 

I have never received a thorough explanation of what happened, and now my credit is being damaged due to the actions of US Bank. My checking account had a positive balance, and by overdrawing my account, US Bank has stolen from me, and caused incorrect information to be added to credit report. This situation is still unresolved.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They furthermore failed to notify anyone for three whole months. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXXXXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

So this happened to me today. Beware scammers can clone your credit card 's XXXX XXXX number. I got a call from my legitimate credit card XXXX XXXX number saying my card had been used for suspicious activity totalling {$3000.00}, would I confirm my number so they could cancel the charges and shut down my card, Wait a minute, you tell me my number, I don't tell you! He was very plausible but could not tell me my number, he wanted me to tell him. I hung up, called my bank and sure enough they had not called me, no fraudulent charges on my account, they told me scammers can now clone their number to seem legit, NEVER give out your credit card number, if it's truly your bank they already know it. Since then I got 5 calls in a row from the number on the back of my credit card calling me a XXXX, XXXX and XXXX, apparently scammers are poor XXXX!!! And my credit card bank, Capital One, say they can do nothing about it, shame on them. They won't warn their customers about this and they will do nothing to stop it happening. I am supposed to just take these abusive phone calls from their phone number and they walk away!!!
Product: Debt collection

This has been removed from my credit report before when I follow complaint, it keeps coming back after multiple times I keep telling them this is not my account. I do not know what this is. Please remove immediately from my credit report and stop adding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been 2 months since my initial dispute and this account still has not been verified so how are the 3 credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.
Product: Credit reporting or other personal consumer reports

This company has showed up on my credit report has fraudulent That I dont recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 16666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENTITY THEFT. ACCOUNT OPENED WITHOUT KNOWLEDGE OR CONSENT See Attacged FTC Identity Theft Report
Product: Bank account or service

I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account.
Product: Debt collection

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.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block Section 604 - 15 U.S. Code 1681 B Section 605 A - 15 U.S. Code 1681 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX  XXXX-discharged Court XXXX XXXX XXXX XXXX XXXX _________________________________________________ INQUIRY : XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b-
Product: Credit card

First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?
Product: Debt collection

In XX/XX/2022, I received a Writ of Execution ( money judgment ) and a Notice of Levy Execution ( money judgement ) legal document in the mail. I was not aware I owed any debt yet I received legal documents from Midland Funding Attorneys. I didnt know what to do at all until I did some research and found that I was supposed to be given a notice of debt before hand with option to dispute. I was never sent any notice of debt from Midland Funding or XXXX XXXX XXXX so I was not given a fair chance to fight this. This debt is not mine I need to be able to dispute it and prove I never had this XXXX  XXXX XXXX XXXX. This levy is saying they will garnish any wages I get even though I do not owe this debt and wasnt given an option to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my Experian, XXXX, and XXXX  reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, XXXX, or Experian they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 a, states I have a right to privacy 15 USC 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account. Without my written consent or instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information : Any other adverse item of information, other than records of convictions and crime which antedates the report by 7 years.

No 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows XXXX XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX  XX/XX/XXXX {$220.00}. Fraudulent inquiries : 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX EXETER FIN XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I had a citation dated XXXX/XXXX/XXXX from the XXXX, Ca traffic court the Docket XXXX i went to court on XXXX/XXXX/XXXX in which the court reduce the ticket from {$520.00} to {$320.00} which i paid at the court house and on the clerk docket and minutes it stated driver license hold to remain until sentence satisfied.So on XXXX/XXXX/XXXX Alliance One went into my husband bank account with court order that i had no warning of and took {$450.00} causing my husband bank to go into the minus of {$320.00}.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS 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 I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian for the 2nd time has this woman name XXXX WHO BARELY SPEAKS XXXX AND CAN'T DO ANYTHING, SHE HAS NO AUTHORITY TO DO ANYTHING ONCE AGAIN THROUGH RESEARCH WE DOUNF OUT THIS IS A TACTIC TO SAY THE MADE CONTACT, THE SCREEN SHOT SHOWS THE CALL THIS IS BEING FORWARDED TO THE DOJ BY REQUEST