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

A few years ago I sent My personal information to XXXX XXXX XXXX XXXX at that time they wore a breach in XXXX XXXX and XXXX Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 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. ( 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely XXXX, XXXX and TransUnion, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : 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 have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I applied for an extension of credit on XX/XX/22 and was sent an adverse action letter. I then sent the CEO a response to the letter noting the discriminatory actions on the XXXX of XXXX certified mail, i n which I have received hard copy return receipt on XX/XX/XXXX. Bank of America has yet too resp ond or grant me the extension of credit as I asked in my initial communication. I have also filed a cf pb complaint as well as a complaint with the attorney general as of today. Bank of America has dire ctly violated my consumer right to credit under 15 USC 1602 ( f ). Bank of America has also committe d fraud by using my credit card without my authority and I received no benefit from that transaction pursuant to 15 USC 1602 ( p ).
Product: Bank account or service

I made several attains to pay my bill via Navy Federal Credit Union and the Website still is not work. Please review the website and make it working properly and contact regarding this matter also.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Debt collection

Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago.
Product: Checking or savings account

I have Bank of America debit card.I travelled to XXXX on XX/XX/XXXX and returned back to USA on XX/XX/XXXX. I have been using by debit card in XXXX  ( informed bank before travel about that and took permission ) for which i was also charged international transaction fee. I was carrying the card with me and my details are not stored any where. But during the period i was in XXXX  there was ATM with-drawl from my account o XX/XX/XXXX of amount {$400.00} ( two times ) .I did not receive text message as i my USA number wont work in XXXX  . And again when i came back to USA there was two more transactions of {$500.00} on XX/XX/XXXX and reported immediately that it was not authorized.So total amount of {$1800.00}. I reported to bank and i told them i don't have any cards which even they know because they never provided or i never requested them to. They processed my complaint and they are saying that it is authorized charges. I have a proof of iteanrry that i travelled and bank transactions that i was using my card in XXXX  to prove that this ATM with-drawl is fraud and not authorized. Please help me to get back my funds.
Product: Checking or savings account

I was scammed out of {$2600.00} and an additional {$790.00} on XX/XX/2021 by going on a fake ( XXXX ) website where I gave them permission to go into my phone with an app called ( XXXX XXXX ). 
Once they had access they saw what was in my account and credit card information. 
From there I was tricked into sending them the above amounts. The {$2600.00} was transferred from my bank america credit card to my checking account and the {$790.00} was my own money through XXXX. Once I realized what had happened I immediately called bank within 10 minutes to stop payment and was told they would try? I was instructed to file a police report which I did and was ultimately denied a refund by Bank of America.
Product: Checking or savings account

I live in XXXX XXXX NJ. A blank unsigned check was stolen from my car. It was written for {$4000.00} and forged ( with a non matching signature ) and deposited in to the thief 's account at the same bank I bank with, TD Bank. I called TD customer service when I noticed the withdrawal and alerted them of the fraudulent check and froze the account immediately. Later that day the thief went back to the same TD branch and tried to withdraw the funds. The bank called me to question the transaction and they were alerted it was fraud. They wouldn't call the police with the thief in the lobby or help detain him, however I was able to get the police to the bank. The thief was arrested and charges are being pressed for the check/theft. An affidavit was filled out at the bank and notarized and sent in for processing. It has now been a month, and nothing has been done. The bank hasn't called me or even sent me a letter acknowledging the incident. I have called in to customer service and they say it's under investigation but that department can't be contacted. They then told me to take it up with the branch. I spoke with the branch and they alerted me it's in TD 's hands and that they have done everything they are supposed to do. No one has taken responsibility for the situation and everyone seems to point the finger to someone else. The bottom line is the bank should have checked my signature on file and never cashed the check. Even if they did, the transaction was from a TD to TD account, so it should have been a quick reversal. Not sure how much investigation needs to take place when the person was arrested for the check in their own bank lobby. It's not fair I should be out the {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

I have found numerous disputes with this company and also with Transunion, XXXX, and XXXX and they have failed to honor my dispute. I have requested a debt validation the company it self XXXXXXXX XXXX XXXX sent me a bill instead. They failed to provide me with a purchase agreement and anything showing my wet signature showing proof this alleged debt is mine. I recently learned that this company is not allowed to license to collect in my state of GA but, here they have not even honored any of my requests Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and 15 U.S.C. 1692g. This is an illegal practice and if they continue to report and send me letters stating this is my debt I will have no other choice but to file a lawsuit against XXXXXXXX XXXX for unfair practice. 

This is not my account I have also filed an Identity theft report regarding this debt, and mailed it out to all three credit bureaus and XXXXXXXX XXXX but, I have not received a response as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how it's confusing to you what has been requested. I have sent numerous letters to you reg mail and certified. I have filed multiple CFPB complaints you continue to close STILL violating the law. You have failed to validate the accounts you are falsely reporting. On every request I have asked for validation as well as how the accounts were verified who you spoke with and the method the accounts were verified. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit applications.Transunion has done nothing only stall. For your review the complaints sent to Transunion are XXXX, XXXX XXXX. There are attachments submitted with each complaint. To be clear the accounts I have continued to contact Transunion about are XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law.his account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I requested the deletion of the bogus accounts listed. Due to your lack of validation and false reporting, you have failed to follow FCRA regulations and my request for verification. You have failed to provide valid verification on which the other 2 bureaus have found to be inaccurate.Please note I intend to seek damages if this isn't resolved in a timely manner. I have contacted Transunion for months and they have continued to violate the law, my rights, my ability to lease a home, interest rates, costing me time, money and frustration. Transunion 's reporting is falsely representing me as a person.I have filed a complaint with the BBB and my state 's attorney general. This has negatively impacted me long enough I do not want my information sold or be seen as a $ XXXX I am requesting that the CFPB IMMEDIATELY REMOVE THESE INACCURATE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX I called Navy federal credit union and Made a payment to my credit card balance for a total of {$13000.00}. I authorized the transition from my XXXX XXXX XXXX XXXX account to the credit card account. The check was processed from my account on XXXX XXXX XXXX XXXX on XX/XX/2024. Navy Federal Credit Union took my money and did not apply it to my account. Instead they applied it to a different users account. They have also reported to the credit bureaus that the account is 60 days over due and the balance is still over due. Navy Federal Credit Union has not fixed this issue and refuse to apply the funds into my account or report to the credit bureaus as paid. The transaction confirmation number navy federal credit union gave me on XX/XX/2024 # XXXX.
Product: Debt collection

I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( WAKEFIELD LAKE & ASSOCIATE REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they ( XXXX XXXX  XXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXXXXXX due to the XXXX  XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any XXXX XXXX XXXX XXXX  and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such pressures both XXXX XXXX XXXX..thank youXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay off this account and I did there's the same day I paid my other credit card off which was XXXX XXXXXXXX ironically make three months later I see that the account is still open and accumulating late fees in which I did not understand why the account was still open when I asked for it to be closed and pay it completely off way in XX/XX/2022 I don't know what in the scam is going on but these people are refusing to correct this information and forcing me trying to make me pay on this account when I reported back in XXXX maybe XXXX sometime that my card was stolen and I never got a replacement card or anything because I didn't want one because I was under the impression that this account was closed not by the the credit card company but by me because I did not know who had my card and I did not want my credit check up so I gave them the amount of money that I owe on the accounts including the balance they know they are wrong and they refusing to fix this and I need help because I am totally right and I have evidence for that it's up you can check my credit statement from the company and you will see that I have paid this account off these people have XXXX XXXX my credit I never been late on a payment and I have always paid my credit card before it was due and this is how they do me shame on them and also they refuse to and notice that I close my account way back in XXXX when I paid this off and they refusing to pick accurate information in my reports but I have a few to prove that I am tired of the running around when I called the company and fix this something has to be done