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

I am filing this complaint against the credit reporting agencies ( TransUnion, XXXX, and XXXX ) and the creditors ( XXXX, XXXX XXXX, and XXXX ) for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite disputing these accounts and requesting validation, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the fraudulent accounts in question : XXXX : Account ending in XXXX XXXX  XXXX : Account ending in XXXX XXXX XXXX : Account ending in XXXX Violations : Failure to Validate Debts : The creditors failed to provide written notification of the alleged debts within five days of initial contact, as required by FDCPA 809 ( a ). Furthermore, they did not validate the debts within 30 days of my dispute, violating FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ).

Reporting Inaccurate Information : These accounts contain inconsistent and inaccurate information, such as differing open dates and data reported across the credit bureaus. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report only accurate information.

Failure to Respond to Disputes : Despite my disputes, the credit bureaus failed to conduct a reasonable investigation or provide documentation proving the legitimacy of these accounts within the required timeframe, violating FCRA 611 ( a ) ( 1 ) ( A ). This neglect of duty also breaches FCRA 611 ( a ) ( 5 ) ( A ), which mandates the correction or removal of disputed inaccuracies.

Continued Reporting of Fraudulent Accounts : The continued reporting of these accounts as " Charge off '' or " Derogatory '' despite disputes and lack of validation is willful noncompliance. This ongoing harm to my credit profile violates FCRA 604 ( a ) ( 1 ).

Relief Requested : I demand the following immediate actions : The permanent removal of these fraudulent accounts ( account numbers listed above ) from my credit report.

Blocking these accounts to prevent future reporting under FCRA 605B ( c ) ( 1 ). 
Compensation for damages caused by derogatory and inaccurate reporting, including harm to my creditworthiness and financial reputation. 
A formal investigation into the negligent and unlawful practices of the reporting agencies and creditors. 
Enforcement of penalties against the creditors and credit bureaus for willful violations of FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

Fraudulent Unauthorized XXXX  transfers from Chase checking account On XX/XX/2020, 3 XXXX payments were initated and 2 were successfully completed. These were all made in the very early hours of the morning, outside of the account holder 's current pattern of use for the past 5+ years. The transfers were made in short succession. The 3rd one ( {$800.00} ) was correctly marked as fraud by the bank 's system, but the first two ( {$840.00} and {$800.00} ) were allowed to go through. 
A claim was filed for fraud charges with the bank, but it was deemed that they were no fraudulent. A 2nd, 3rd, and 4th fraud charge was filed my the account holder ( or reinstated the first depending on terminology ) for the same issue. 
Screenshots detailing a new device accessing the checking account in the days that the transfers were made as well as an added phone number and email to the account were provided. The bank felt these were not enough to prove the transfers were fraudulent but refuse to offer what information would be helpful. XXXX was never used on the account previous to this and has since been denied further access to the account as far as the account holder can tell. 
4+ calls to the Online Fraud Department as well as visiting the bank branch proper have yelded no resolutions.
Product: Credit card or prepaid card

On XXXX/XXXX/22, I made a authorized purchase with XXXX for {$1500.00}. 

XXXX them canceled the whole amount either on the same day or the XXXX. 

On the XXXX, XXXX did a unauthorized charge in the amount of {$1400.00}. 
On the XXXX, they did a 2nd unauthorized charge of {$15.00}. 

Of course, neither Captial One or XXXX had let me know about said charges. 
As soon as I noticed the charges ( 2-3 days afterwards ) I contacted XXXX. 
Of course, no response. 

I then filed a complaint with the XXXX  against XXXX ( still ongoing, they basically admitted doing fraud ). 

I then tried to start the dispute process online with Capitol One online/app. 
It did not let me. 
It told me to call the XXXX # instead. 

( NOT POSSIBLE, I have a XXXX XXXX. In the past, it gave me the option to do it online and in the app ). 

I then started to the process of filing a complaint with the XXXX  about XXXX XXXX 
I decided to delay it because XXXX  gave me an email to XXXX. 

I sent an email to XXXX, I explained whats going on and wanted to start the dispute process on the {$15.00} and possilbly doing a partail dispute on the {$1400.00}. 

To this day, no response. 
However, they did started the dispute process of the {$15.00} and a partail dispute of the {$1400.00} Now for the big issue. 

I checked my XXXX app today ( XX/XX/XXXX2022 ), it shows that XXXX reversed the charges on XX/XX/XXXX22 and wants me to pay for the illegal charges. 

XXXX did not even told me about any of it! 


Fast forward to XXXX. 
XXXX finaly got back to me after I filed the XXXX  complaint against them. 
After a while, the pretty much admited they commited fraud and refuse to do anything. 

At this point of time, I need to start the dispute process on the whole amount for both of the charges. 
{$1400.00} and {$15.00}
Product: Mortgage

Company ASPIRE FINANCIAL , INCXXXX DBA TEXASLENDING.COM. After approval for a cash out refinance I was presented with 2 final disclosures with conflicting information. 1 was the original terms agreed to with a closing cost of {$10000.00} and the second was a lower cash out among with a XXXX increase in costs in the amount of {$13000.00}. The explanation given was credit score changed but no credit information was was reported or changed between application pull and final pull. I feel I have been bait and switched. I have 1 borrower signature on the original forms given before aspire archived the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 reporting, credit repair services, or other personal consumer reports

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

Equifax hard inquiries XXXX. XXXX XXXX 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 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. 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: Consumer Loan

I paid my title loan payment to PLS on XX/XX/2016 on XX/XX/2016 I wanted to upgrade my loan and I was informed that they are no longer doing loans and will close ALL the Loan Stores across the country effective XX/XX/2016. 
They have never contacted Consumers who have payday or title loans to explain how we are going to make our payments and they withheld the information concerning the closures when we made our most recent payment. When were they going to tell me or others that will be affected? All payments will be handled over the phone - out of state. Are they required to notify the State of Wisconsin or Consumers of a major change to the way the accounts are being administered? I went to the PLS website and there is no info or any notices about the changes and closures that have been issued or listed. It looks like business as usual but they have known for over 2 weeks. When were they going make an announcement? This is not the way business is supposed to be done and not the way consumers should be treated who are doing active business with the company. 
Please look into this issue for us. 
thank-you
Product: Checking or savings account

On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.
Product: Credit card or prepaid card

XX/XX/XXXX CitiBank illegally w/d draft $ XXXX from my bank. ( I previously authorized monthly auto draft of only $ XXXX ). I'll have to explain multiple calls from XX/XX/23 to the point a pmt arrangement $ XXXX for 3 months. 
My limit is only {$2000.00}. They've now got a {$4000.00} balance on my account. I can not pay {$1.00} or the agreed amount. The account is aging & ruining my credit. They blocked my ability to receive my statements. I kept calling & finally got them yesterday, Thursday, XXXX XXXX. Based on my experience, there's been quite a bit of illegalities, sabotaged actions & unfair practices. I just wan na pay my bill, rectify/restore my credit status & rescind all the false statements reported on my account. TBDiscussed I'll need to illustrate/justify each incident. Only when I decided to backtrack & research my situation, is when I did find, it's kinda customary for them to conduct business in this way. I have 5 months of their statements & my bank statements to show damages they caused NOT ONCE but 3 TIMES they resubmitted that {$1000.00} charge. Like I told them, how r u gon na illegally charge my account, disallow me a chance to clean up my NSFs/finances for multiple other auto drafts I have, close the account ( in good standing ), victimize me & now every call ( 20+ calls ) is an impasse. HELP! PLEEZE CALL. XXXX ( I need to submit my mound of documents. Please advise? )
Product: Payday loan, title loan, or personal loan

I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.
Product: Checking or savings account

My mother passed away XX/XX/23. I am the sole executor of her deceased estate. I rang the PNC Bank XX/XX/23 to find out what I needed to do to close her account and transfer the money to her deceased estate account with the XXXXXXXX XXXX XXXX  XXXX. They advised I needed to send them a letter, which I did on XX/XX/23. I registered the letter with XXXX XXXX. The PNC denied receiving the letter, So I tracked the letter with XXXX XXXX and was advised that it had been delivered. 

On XX/XX/23 I rang PNC again and was advised that I needed to resend the documents as they had not received them. The person I spoke to asked me to ring back in XXXX weeks to follow up. I did resend the documents the next day, XX/XX/23. 

On XX/XX/23 I rang to follow up and spoke to XXXX, a supervisor. She told me that the documents had not been received and that the Executive Client Relationship Team would be in touch with me within 24hrs. I never heard from them. 

I'm following up with XXXX XXXX about the delivery of the documents and should have an answer in a few days.
Product: Debt collection

I noticed a debt collection on my credit report that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 reporting or other personal consumer reports

In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on Equifax but is completely N/A on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Product: Checking or savings account

On XX/XX/XXXX I received a call from XXXX saying my XXXX ID, and subsequently the apps on my phone, had been compromised. I was told that there were some suspicious charges to my accounts and that we would need to reset my passwords to prevent further fraud. The person on the phone had remote access to my computer and went through various " security precautions '' to prove it really was XXXX on the line, so I believed them. They told me there were fraudulent attempts specifically with XXXX XXXX, XXXX and XXXX, and that they would help me set up two-factor authorization to improve my account security on the back end. Following our call I called XXXX back to verify if I had actually been speaking with one of their employees and they told me it was not - they would never initiate a call unless requested by the customer. 

That's when I checked my bank account and saw the following charges : XXXX - {$500.00} XXXX  - {$490.00} XXXX - {$100.00} I believe there were other charges but they were declined as my account did not have sufficient funds. 

I called Bank of America immediately to report this and they told me they were opening a claim to investigate. In the meantime, they posted a credit to my account in the amount stolen. 

In XXXX I received a letter from Bank of America saying my claim was denied and that the funds would be removed from my account. I called them immediately saying this was unacceptable as I was the victim of a crime, and the person I spoke with said they would re-open the claim to investigate further. To my surprise, the funds were still removed from my account on XX/XX/XXXX. This wiped the little I had in my accounts, leaving me with a balance of - {$930.00} in Checking and {$0.00} in Savings. My next pay day would not follow for 8 days, so I called Bank of America immediately that day and spoke with several people for over an hour. They said they were still looking into the claim but would not be able to post a credit to my account as it had been rejected the first time. They also told me the claim had been rejected as this was considered a phishing scam, not fraud. They told me it would take 45 days to re-review my claim and there is no guarantee that it will be approved then, and I may not get my money back.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Student loan

I wish to add my name to the ongoing lawsuit against Navient. The former XXXX took over my already-excessive student loans from when I attended XXXX ( an institution already shut down for defrauding its students, including me ). Navient has continued for years to over-aggressively demand massive payments on these loans which should have been written off already, demanding *multiple* payments of up to $ XXXX on a monthly basis, despite my dutifully sending in a request for forbearance. 

I am the victim of fraud, twice over now, and deserve unconditional relief from these debts. Navient 's greedy harassment must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Product: Checking or savings account

Hello XXXX, This morning around XXXX, I received a notification that my account was restricted, and my card was dubbed. I called XXXX immediately to find out why and Im met with a very rude and obnoxious customer service worker. She put me on hold for a while and then finally came back to the phone and just started to begin reading a disclosure out to me -- it felt like I was being arrested or something, it was dramatic. 

I responded requesting more information about how to retrieve my funds she rushes me off the line and hangs up. It's the beginning of the month and I have bills to submit. Not only is this careless on their end, it is unacceptable. I'm writing you today to make you aware of a problem that many have reported and is continuing. I also need them release my funds like yesterday. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankrup tcies ( below ) on my credit report due to Civil Case No.   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  I di d not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has  violated  the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Product: Credit card or prepaid card

In XX/XX/2020, I made payments on the XXXX app for Bank of America using the bill pay function. It thanked me for making the payments in both cases. However, unknown to me, the system didnt take the money from my checking account with Bank of America and apply it to the XXXX loan and the credit card as I was led to believe. I saw late payments on my statement and called in to find out that their system had an issue and didnt support that function. They told me that my credit repeat would be adjusted and not to worry. They lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX not XXXX XXXX. I sent in court documents