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

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX
Product: Credit card or prepaid card

I made a payment in full for my account balance and the manager stated he was waiting fees. They removed money from my checking  account on XX/XX/20 but as of XX/XX/20 I called and have been on hold 2 hours and transferred to 3 different people who are saying my account is flagged for fraud. They are giving the reason that I made a payment with a XXXX XXXX account then a XXXX credit union account the next time so that Im suspicious. I didnt know it was against the law to have a bank and credit union account. And if thats were I had the funds to pay and they got paid why is my card flagged for fraud 12 days after they took the money the believe is fraud? We are in the middle of a pandemic and they wont allow me to use my card after Ive paid my balance in full and they still havent removed the account fees that they promised when they took the payment. XXXX employee id # XXXX XXXX Should be fired and not have a job. She is going to be the cause of this matter escalating and costing the bank a lot more money in court for how Im being treated. I also never gave you authorization to save my payment info, only to take one time payments. You are misusing are storing information you have no right to collect and then using it against me when I done nothing wrong. Both XXXX XXXX and XXXX accounts are mine and thats not a valid issue to flag me for fraud or leave me on hold hours.
Product: Credit card or prepaid card

I feel lied to by them they wrote me a letter confirming my account had a XXXX balance and I would receive my deposit for my secured card in full after calling I was transferred to multiple people horrible experience and then they said their is a balance of XXXX I said what for they dont know but I had a XXXX balance their was fraud on this account I want my deposit in full as they told me their executive office doesnt call me only writes letters and now I have to wait 3 more months this is ridiculous Ive been waiting for months for my money back
Product: Debt collection

I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail. 

Debt Validation : 1. Proof of ownership. 
2. Copy of statement from original creditor.

3. Copy of complete payment history starting with original creditor.

4. Copy of original signed loan agreement or credit card application.

Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account. 
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. 
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore. 
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

This complaint is about my Chase account ending in XXXX. 
I've had this checking account for many years. 
A couple of years ago I linked an external business account with XXXXXXXX XXXXXXXX that belongs to me, so that I can transfer funds back and fourth between my Chase account and my business account at XXXXXXXX XXXX. In order to link the account I had to verify two small deposit amounts and it took a couple of days. 
Since then, over the last two years, I have transferred funds back and fourth between my Chase account and my XXXX account, without any problems. 
A week ago I initiated another transfer of {$3500.00} from my XXXX account to my Chase account. later that evening I got a call from Chase at around XXXX, I missed the call but called right back and asked why did they call me, the representative didn't know, I mentioned that I had a transfer in progress so maybe that's the reason, he transferred me to the money transfer team at Chase. 
The representative from the money transfer team said that they weren't able to verify the account ownership so they canceled the transfer and advised me to try again. 
I tried transferring again but couldn't because Chase de-linked my XXXX account from my Chase profile. So I went ahead and re-linked the account, it took a couple of days as I had to verify two small deposits. 
After I re-linked the account, I initiated another transfer ( yesterday, XX/XX/year> ) for {$3000.00}. Today I got a call from Chase, the representative asked me if I'm XXXX XXXX and I said yes, then he hung up. I called right back and asked to speak to the money transfer team because I assumed they called to verify information for my transfer, and I offered to verify anything needed. The representative refused to try to verify the account ownership and just said they couldn't verify, I explained to her that they called me to verify but hung up before talking to me, she did not care at all and refused to help me, I requested to escalate but hit a wall. 
This is very frustrating because I rely on my Chase account as my primary account and I used it to transfer funds, the inability to do so hurts my financial life, and it resulted from of Chase 's incompetency and their failure to perform basic servicing tasks such as funds transfers and phone verifications.
Product: Credit reporting or other personal consumer reports

THERE IS INFORMATION THAT IS ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. 
I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR IDENTIFICATION TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. 
I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. 
MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL misrepresentation OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. 
THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. I HAVE CONTACTED THE COMPANYY SEVERAL TIMES BETWEEN XX/XX/XXXX UNTIL XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has reinserted collections : XXXX XXXX XXXX XXXXXXXX, original creditor ( XXXX XXXX  ) for the amount of {$1400.00}.. They did this with out my knowledge or approval. 15usc1681i ( a ) ( 5 ) b.

15usc1681i ( a ) 6 ( b ) 3 15usc1681i ( a ) 1
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today XX/XX/2023 and when i seen my report i seen that there was a XXXX credit card opened and maxed out a card in my name XX/XX/XXXX XXXX i was not made aware and had no knowledge of this account until i got into my credit report and seen this derogatory remark of a closed account on my account i called them to get it removed now its been longer then 30 days seen i have seen any changes so now im taking it up with you guys to get this account removed off my report please help so i can be able to achieve the things that i want financially
Product: Credit card or prepaid card

Best buy website has an offer on their TV to pay in 24 installments and they present you with the amount of monthly payments you would pay, in my case {$140.00} per month. 
At the check out I chose pay in installments option and went through the steps, at the end they told me that I will receive a credit card by mail, and only after getting the credit card they informed me that the amount they approved me for is insufficient to make the purchase, but the credit card has been issued already. 
I called Best Buy card service and asked them to cancel the credit card application, which they did. 
A few days later the credit card was posted to my credit report as a closed account. 
I called them back explained that I was trying to by a product using their installments offer but they didn't approve me for it and still issued a credit card. They refused to help me in and let me know that i can dispute it with credit bureaus but they will still contest the dispute. 
I have been scammed into getting a credit card I didn't need by using the pretext of giving me an installment. When I cancelled that credit card they punished me by reporting a closed account on my credit report, even though the account was a few hours old and I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report and found an account I thought was closed has been reporting none payment each month to the credit bureau 's. I paid off this account in XX/XX/XXXX. 

I have not received any invoices, letters or calls from Bank of America since I paid off this balance in XX/XX/XXXX and asked they close they account. 

I called Bank of America in XX/XX/XXXX to ask about the closed account balance and was told the balance was due to " fees ''. I asked for a detailed accounting and explanation of the " fees '' and have not received anything. 

Mailed a good faith pay to delete letter on or about XX/XX/XXXX via certified mail with a 15 day response time or the offer expired and no response. 

I have disputed this account with all three credit bureaus as it is an unverified account and the credit bureaus responded with the account has been verified and the balance was reduced. However, I still not not have any information to prove the validity of the amount.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.
Product: Payday loan, title loan, or personal loan

Took very sensitive information about checking account and personal information under the guise of me getting a loan, now I dont see anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed account and been paying the balance as agree.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Information Dear Equifax Customer Service, I am writing to formally request a correction to the information reported on my credit report regarding my XXXX credit card account. I believe there is an inaccuracy concerning the status of this account. 

As previously stated in my last correspondence, my XXXX credit card account is reported on the XXXX of each month, and I would like to clarify that this account is paid off in full, with no remaining balance. However, the information reflected in my credit report does not accurately represent this status.

Enclosed are copies of documents that support my claim, including [ list any specific documents you are including, such as statements or payment confirmations ]. I kindly ask you to review these documents and update my credit report to reflect the correct information.

Please confirm the receipt of this letter and inform me of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to resolving it as soon as possible.

Thank you for your assistance.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Revised on XX/XX/2024, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number XXXX XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions. 


Delete this account immediately, unless you want to be held {$10000.00} per violation
Product: Prepaid card

I purchased a {$500.00} vanilla visa gift card which is serviced by incomm financial services, I used the gift card at XXXX to purchase some items. Soon after I had to return the items because I had no use for them anymore, and now incomm has frozen the gift card and is now requesting information that I no longer have access to in order to unfreeze gift card, they want original gift card receipt purchase, they also wants receipt of items I purchased and the receipt issued when I returned said items. Which I no longer have because I never in my wildest dreams thought this would happen. This must be a scam by them to pocket money!
Product: Debt collection

In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.
Product: Money transfer, virtual currency, or money service

Square point of sales illegally withheld funds from my company and refused to correct issue after I verified for the debit card and all accounts nor had a dispute or fraud and lied while avoiding the issue I was forced to refund the money and are refusing to deactivate account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/2022, I applied, over the phone, for a business credit card through XXXXXXXX XXXX. The customer service person, " XXXX '', asked a series of questions after which, based on my responses, she advised she did not foresee any reasons for denial. XXXX advised she would called me in 1-2 days to advise of the status. After about XXXX XXXX weeks had passed, I called to follow up, as I had not heard back from XXXX. I spoke with another bank representative who advised that my application was denied ; however, could not give a reason, and advised me to wait for the denial letter. When I received the letter, I called XXXX and spoke with XXXX regarding my concerns that I was denied for reasons that did not apply to me. XXXX then advised that the reason for denial was probably due to my credit score not meeting their minimum XXXX requirement, and that my score was reported to be XXXX on XX/XX/2022. I pointed out that my credit is monitored by my bank and at no time during the past several months was my score below XXXX ; however, XXXX insisted this was probably the reason. I know that some lending institutions have discriminatory practices, and I just want to be sure that I was not a victim of same.
Product: Credit reporting or other personal consumer reports

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED XXXX  - AMOUNT XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX  - XXXX XXXX - AMOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my disputes and haven't got respond