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

On XX/XX/XXXX I made multiple transit purchases with my Optum bank card ending in XXXX. I confirmed via the Optum app that the card linked to my transit XXXX ends in XXXX. I recognized this is the same as my XXXX and recalled prior conversations where they explained it is the same card but the system is able to recognize which account to charge it to. I have done this in the past with no issue. Checking my XXXX  account I see those transit chargers were made to my XXXX not my transit XXXX. I have over {$800.00} sitting in my XXXX  transit so I was intending to use that and would not expect it to charge my XXXX. Since the transitions went through I had no idea it charged my XXXX  otherwise I would have canceled the transaction. I called on XX/XX/XXXX at XXXX ( XXXX ) XXXX and spoke for an hour and XXXX minutes. I was getting confusing instructions and answers but I walked away with the explanation they gave XXXX since I was terminated from my job in XXXX, my card for the transit XXXX  was terminated. I never received notice of this, the card did not decline and the all still shows that card number linked and the balance available of over {$800.00}. When talking to then months ago they told me the account is still available after leaving your job for at least 30 days. They never informed me they had to be receipt reimbursements from prior to leaving the company after I discussed it very thoroughly. They also did not notify me of this at any point since leaving my prior company. My companys separation document says my XXXX will be available for 60 days after leaving. Optum refuses to move those charges to my XXXX  and instead says I need to mail in a form to correct it for tax purposes and also send in a check for that amount. This is very misleading operations, I feel I was left in the dark and they are not working with me to a resolution. If I knew I did not have access to the over {$800.00} of my XXXX contributions then I wouldnt have made those transactions. Furthermore I would have made sure to process things much earlier. Speaking on the phone with the representatives was very frustrating because not only did they not understand what was going on or how to resolve it, but they kept telling me I must be on the wrong website because for whatever reason what theyre looking at does not match what I see on my phone when looking at their website. They also do not offer quicker resolutions. The form must be mailed in and I would have to wait 7-10 business days just for that to be processed and then I would have to mail in the check following that. It is negligent financial management to allow the transit purchases to go through on the XXXX account instead of declining. It is also negligent to not notify customers in advance about their overall timeline and especially all the details of an account or card is terminated. Also I would like to get my XXXX funds withdrawn from my account. They offer no way to receive those funds for all that I contributed is now lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX XXXX 90 days past XXXX or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Regional Acceptance Corp / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS
Product: Debt collection

My car was wrecked and totaled back in XX/XX/year>. XXXX XXXX  totaled my car and I had Gap insurance on my car, so come to find out US Auto went into Bankruptcy/ out of business and sold it to Westlake Portfolio . They have been sending me letter after lettter, call after call, and I had the Gap/ XXXX XXXX contact them via email and call to let the know about what transpired and how they was going to cut them a check and to leave me out of it, yet they kept harassing me. I filed through the XXXX to make a claim they asked me for additional information that I couldnt obtained because they had to get it from XXXX and the Gap to let Westlake Portfolio know and then there was nomore communication after that. Now they have hit my credit and its affecting me bad, and Ive became a victim to the miscommunication of companies.
Product: Checking or savings account

New account with Bank of America, never received bank card and they are refusing to investigate and resolve fraudulent transactions on an apparently stolen card. This includes fraudulent withdrawals from branch offices. They've put hold on SOCIAL SECURITY funds, left me homeless. No help in my branch office or over phone although they said they escalated this. Haven't even had account for 2 months and they are rude thieves!
Product: Vehicle loan or lease

I defaulted on my loan in XXXX. The vehicle was repossessed in XXXX. The balance left on the loan is incredibly high. Also, there is a settlement that Santander has to pay out for people that defaulted on loans before XXXX due to predatory lending practices used by Santander. 

I was told that I did not qualify for the loan settlement. I would like proof of exactly why my defaulted loan does not qualify for the settlement. I paid nearly {$500.00} a month for my loan and it was a very challenging monthly note to pay. 

Also there showing I owe one balance of {$13000.00} on their company website but also reporting I owe a balance of {$18000.00} to the credit reporting agencies, which is thousands of dollars higher ( I attached screenshots ) When I asked exactly why my loan did not qualify for the settlement, the Santander representative could not give me an answer. they simply told me to check the secretary of states website for the state that I live in. 

I would like the balance on my vehicle reviewed and also an answer as to exactly why I don't qualify to participate in the settlement against Santander. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated XXXX XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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

I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but the only late payments fixed was on Equifax with XXXX XXXX and the charge off with XXXX XXXX XXXX on Equifax . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!
Product: Checking or savings account

I have been issued a few refunds from different nerchants into my chime banking account however chime is not putting these funds back into my account. They are doubling charges made to nerchants causing my bank acct to go into over draft. When I call them to ask about the transaction they tell me to get in touch with the merchant that they have no control over this. But they are sending me notifications telling me the money is in my account when it's clearly not!! 

XXXX refund {$17.00} supposed to be issued XX/XX/XXXX still haven't recieved. 
XXXX stores charge of {$71.00} charger twice not by the merchant but by chime I have spoke to the merchants finicial department they have only one charge on file. Chime deducted this twice. They refuse to release the charge that has made my acct go into over draft A charge of XXXX from XXXX XXXX  another double charge because of chime was said to have been released back into my acct has never been put back when I called to check on this they state that the merchant hasn't released the funds however I have from chime the message stating they released the pending charge and find we're added back to my acct they have never been added money has been deducted from my acct and when I call they say they havent done any thing to my acct. but it shows clearly on my banking app. 

I need help recovering my funds please. I can't even get by right now because of all this a
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have found on my personal credit report that I do not recognize the information. I've been dealing with the two collections for years, and they won't dispute it even though my identity was stolen. I have tried to reach out and also dispute the two collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capitol one has removed 100 $ on XXXX separate occassions in the last two months from my bank account without my permission. I reviewed my capitol one account online and nowhere is the amounts noted. I called them and they also said there is no evidence they removed it and to call my bank. I called XXXX XXXX and they got back to me and said most certainly it was removed by them??? The bank is refunding my 400 $ and opening an investigation to get there money back. I owed no balance at any XXXX of those times they just outright took my hard earned cash. And had I not been paying attention I would be out XXXX {$.00} .This is outright stealing and I would love to press charges if I knew how. This company is crooks and everyone knows it. Why are they still open?
Product: Mortgage

Quicken Loans Mortgage Company has been making credit inquiries on my credit report since XX/XX/XXXX. Quicken Loans are using a Company call XXXX to make inquiries on my credit report. Quicken Loans / XXXX are causing my credit score to decline from mid scores of XXXX down to lower scores of XXXX on my credit record due to their inquiries. I need this stopped immediately and my credit score returned back to XXXX+ score, prior to a mortgage loan they process for me doing that time. 
Documents Quicken Loans would need Finance XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX/XXXX/XXXX at XXXX To XXXXXXXXXXXX Message body XXXX We would need : XX/XX/XXXX & XX/XX/XXXX Tax returns XX/XX/XXXX & XX/XX/XXXX XXXX XXXX paystub dated within the last 30 days Lease agreement for rental property. 



XXXX Quicken Loans XXXX XXXX | Mortgage Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX # XXXX Highest in Customer Satisfaction in the U.S. by XXXX. XXXX XX/XX/XXXX - XX/XX/XXXX Primary Mortgage Origination | XX/XX/XXXX - XX/XX/XXXX Mortgage Servicing
Product: Credit card or prepaid card

XX/XX/2018 - XXXX XXXX XXXX - {$21.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} After agreeing to a XXXX XXXX XXXX store credit card offered by Synchrony Financial and purchasing a sectional, I setup autopay and left my account be. 

Turns out, I was being charged from XXXX XXXX each month and I didn't recognize the vendor nor did I ever sign up for an additional recurring service. The CC I used was explicitly used ONLY for the furniture purchase. 

I disputed with Synchrony Financial CC and they transferred me to XXXX who promptly refunded the charges and cancelled the account but I asked them when and where did I sign up for this and they said upon credit application sign up. - This is egregious and dangerous. There are literally thousands of complaints online in forums, review sites, etc ... about this " service '' and it needs to be shut down. Consumers who don't even qualify are essentially automatically signed up for something they never agreed to because a XXXX XXXX XXXX store rep could've helped them " quickly '' fill out the credit form and left this service checked off without the consumer knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 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

On XX/XX/XXXX I wrote a letter to Experian expressing that I noticed a charged off account ( account # XXXX from XXXX XXXX XXXX ) on my credit report for the amount of {$1800.00} and that I would like for them to validate the debt and provide proof that I owe such a debt with a contract bearing my signature. They responded with a letter on XX/XX/2018 saying the debt was validated with the company and refer to my personal credit report I received for the name and address and phone number of the credit grantor who verified the information. Prior to writing Experian I disputed this issue numerous times with the company who reported this and asked them for this same information and they sent an itemized bill exposing my personal health information but never stating the procedure utilized to obtain my personal health information and how I owed them. I wrote them another certified letter on XX/XX/2018 stating that the procedure they used is requested and that I wanted to see a contractual agreement bearing my signature showing I owed XXXX XXXX XXXX. They responded on XX/XX/2018 but with none of the requested information. If the company or credit bureau can't show proof that I owe them a debt then this account should be deleted
Product: Credit reporting or other personal consumer reports

I sent a identify theft report back in XXXX and also a dispute letter about all the inquired on my report and nothing was done. This is effecting my credit and slowing my home owner process
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the BANK OF AMERICA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report online from Equifax due to a fraudulent credit application. XXXX XXXX contacted me via USPS mail. I want to see if there are other attempts. Why can I not get this online. They want me to fill out a form with my Social Security # on the form and mail it to them. This is a joke! We are expected to value their reporting? I should not put my SS # on any document going through the USPS.
Product: Vehicle loan or lease

XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXXXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, XXXX XXXXXXXX But I am not getting any response or completion of my request. 
"