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

Transunion NEVER performs a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} ( Collections ). I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Checking or savings account

The last week of XX/XX/2020, I noticed the following charges debited from my BofA Prepaid Acct from the EDD in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$5300.00}. I immediately called BofA to report the unauthorized activity. I was able to make a claim for half of the charges because only half were " posted '', the other half were still " pending ''. I called back the following morning when the rest were " posted '' and created the 2nd claim. I waited a week and noticed 1 of the claims were processed and half of the amount placed back into my acct temporarily until an investigation was completed. That same day I received a letter in the mail stating that my 2nd claim has been closed due to suspicious or fraudulent activity. NO KIDDING! So, I called BofA to inquire about my claims ... When I called and entered my card # at the onset of the call, the AI on the phone stated that the acct tied to the card # entered had been CLOSED! Once I got to a live agent, they stated their AI flagged my acct automatically, but since I called in, they would now escalate the claim so that a " human '' can look into my account. Its now XX/XX/XXXX, over 7 weeks have gone by, and I have had ZERO access to ANY funds for over 7 weeks ... I am worried now that my money is going to be lost. I have not had any luck getting my money back or my account reopened. I am sure the account is FDIC insured, but I am not sure what to do at the point, PLEASE HELP.XX/XX/XXXX
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, 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 an 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

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now o

ver 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting 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 XXXX XXXXXXXX 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 an 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: Checking or savings account

After I used my ATM card at a different ATM than usual to deposit money, my online banking for my business was accessed by presumed cyber criminal. The money in both savings accounts was transferred into checking and two XXXX transactions processed that drained my business accounts. 

I have never shared my online user name and password with anyone. Despite clearly fraudulent activity inconsistent with my spending habits and them being able to see that the transactions happened in XXXX, I am live in Maine, they have it under investigation with XXXX of my money in the wind. Leaving me unable to operate my business. My sister wrote me a check so that I can make payroll. 

I have spent 15 hours changing accounts. I opened all new accounts at their insistence. Changed passwords. Accounts were drained Friday. Only to get a phone call late Tuesday from Bank of America that my online banking had been accessed again. 

I am supposed to be on vacation. I can't take vacation because of the financial XXXX created by Bank of America 's security breach and failure to return my money to me. Anyone looking at my transaction history can clearly see that this is fraudulent activity
Product: Checking or savings account

Around XX/XX/2023, our company XXXX XXXX XXXX cancelled services with our payment processor XXXX. However, they continued to charge our checking account for months. We contacted Chase and initiated an ach dispute, but without explanation Chase closed our disputes saying that we authorized the transaction. We sent them statements showing the account was not being used as well as docusign documents and communications with the payment processor XXXX  requesting cancellation and a return of our fees, which XXXX  agreed to in writing. Then they later said they would not return the fees. We reopened the claim with Chase and again it was closed with no explanation. The rep said it was because we originally had a contract with XXXX. They didn't care that we had cancelled. There's even a box to check on the ach dispute that mentions revoked authorization which we checked. Chase didn't care. After some research, I discovered that Chase is a " core payment provider '' for XXXX. I believe this represents a conflict of interest and a breach of their fiduciary duty to us as their customers. At no time, was this mentioned in our dealings with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX ( Loan # XXXX ) is not being reported as a XXXX XXXX. It is reporting as an Other Loan and needs to be reported as XXXX XXXX XXXX to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX a chapter XXXX bankruptcy was taken off of my account a week or 2 ago and readded today withou a proper t day notice and its showing illegally from when i first disputed this information. The courts do not give out thia i formation to verfiy this document. I want verfication with my signature of this debt! Other qise it is 2 be removed immediately!! Because 2 laws have been broken.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor ( Capital one ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b 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

There are serval old addresses on my credit report that I have tried on numerous occasions to have removed due to their inaccuracy but they have not yet been removed. Additionally I have had several closed accounts which have also not been removed. Lastly there have been several accounts that have been identified with payment late payments which are not accurate. I have tried to submit for these updates but have been unsuccessful.
Product: Checking or savings account

I have attempted 3 times to close my savings account with CitiBank and they will not close it. Their reps and supervisors keep assuring me they are closing it but it never gets done and they keep saying theres no confirmation to provide me that its closed. The 2nd rep even deactivated my account online to make it seem like it was closed and it never was. I am now being charged a monthly service fee. I do not know what to do anymore because they are going against my wishes of closing my savings account. Their reps are incompetent and liars. DO NOT ever bank with Citi. This is the worst company. 

Call log to Citi : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

On XX/XX/XXXX I submitted check # XXXX from my XXXX checking account to Third Federal Savings & Loan of XXXX OH for {$200.00}. In early XX/XX/XXXX I satisfied and closed all accounts with XXXX XXXX. 
In XX/XX/XXXX I discovered {$200.00} missing from my XXXX checking account. After spending considerable time tracing to find the source I called Third Federal and learned they had issued a duplicate check and charged my account. Third Federal committed to sending me a letter explaining how this had happened however in spite of my numerous calls I have received no such explanation from them. 
As this constitutes an act of theft I respectfully request your assistance in holding Third Federal accountable for their actions and for them to submit to me a written statement acknowledging same.
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXX XXXX  I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I became aware of a credit reporting agency called XXXX XXXX Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( 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. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with XXXX XXXX XXXX is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from XXXX XXXX XXXX. I am now opting out of any reporting services from XXXX XXXX XXXX XXXX, XXXX XXXX, and Capital One.
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the Navy Federal Credit Union crediXXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Product: Credit card or prepaid card

On XXXX XXXX I applied for a NEW Blue Cash Preferred account using a promotion that XXXX offered. I received an email from American Express confirming receipt of application and then spoke to a representative. She assured me that although I had a Blue Cash Everyday, since I never had a PREFERRED account I am eligible and will receive these incentives ( a ) no {$95.00} fee the first year ( b ) {$200.00} after spending {$1000.00}. 
I have many other XXXX credit cards and had I not been assured of this I would not have opened this account.Nevertheless, I was charged the {$95.00} fee and see no evidence of the {$200.00} bonus. 
I spoke to a representative today who claims that I am not entitled to these. 
Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, had 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with Equifax without any notable investigation or success, although I have had success with XXXX.
Product: Debt collection

I received a dun notice from Chase Receivables for a delinquent account owed to the XXXX XXXX XXXX XXXX. I have never heard of them. I never incurred this debt. 

This looks like a fraudulent attempt to get me to pay a small amount to make it go away for a debt I do not owe.
Product: Money transfer, virtual currency, or money service

Hello! 

I was making a purchase for a tool for the amount of {$530.00} with shipping included that was advertised on XXXX  app, agreeing with the seller to pay after he sent the tool, he sent me a copy of the receipt from UPS which turned out to be photoshopped. I called the UPS store and they never received any package from them. I have the copy of the email. 
I used the Chase app to send the money ( which turns out its their third-party service XXXX ) XXXX 
After finding out quickly that it was a scam I contacted Chase and spoke with the Fraud Department and with many supervisors which dismissed me and denied to help, the point is they all said that it is very common to have customers call about scams and fraud with their money transfer service, but theres not really anything being to done to prevent it, I asked to get a refund since its a service they offer through the Chase app, but they said to talk to the scammer or XXXX, well XXXX said that if I used the Chase app and not theirs, Chase are the ones responsible. 

I reported the issue with the police, XXXX, XXXX and Chase.

Chase are the only ones that can help by issuing a courtesy refund, and I, of course will NEVER use their money transfer service again.