23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Delete for inaccuracy because the payment history profile reflects continued reporting after this account was closed on XX/XX/2020 Disputing under FCRA Section 607 ( b ) and Section 611 ( a ) ( 4 )
Product: Checking or savings account

I called Citizens Bank to close my checking account on XXXX. My balance was at {$0.00}. I was instructed by the representative to go to a branch ( I moved 1500 miles away, there is no Citizens Bank for 500+ miles ) or buy something and make it a {$0.00} balance ... .all over XXXX XXXX. I immediately transferred the money out via XXXX pay over the phone while on the line with the rep and brought it to {$0.00}. I was told by the representative that the debit card was now canceled and the account was closed. 

On XXXX I checked the account and saw it was - {$10.00} from a debit charge from XXXX from that same day. If that card was actually closed/cancelled when it was said to be, that never would have gone through. Again, called the customer service line, XXXX balanced the account immediately by XXXX instant transfer, since I can't make deposits at a branch, and the card was shut off, but the account could not be closed until the recent charge cleared, which took until the next day ( reflects as XXXX ). 

The day after ( XXXX ) my bank reflected - {$35.00}. I was charged an overdraft fee for the charge that was not supposed to go through in the first place, but also did not actually leave my account at a negative balance as it was taken care of that day it hit. 

I get up this morning ( XXXX ) to check the account again to speak to an agent to finally close this out, get the overdraft fee waived as it was not charged for applicable reasons, and I see money refunded from a prior purchase of {$27.00} went through and a FEE REBATE of {$7.00}, bringing this account to a XXXX balance. 

The final problem from the list of many is that I did not authorize Citizens Bank to use that {$27.00} towards a FEE REBATE of 1 ) a charge that was never supposed to go through but I still paid for an brought the account back to XXXX and 2 ) a {$35.00} overdraft fee that should not have been charged, clearly as it was attempted to be refunded entirely with this recent fee rebate. $ XXXX = {$7.00}. The account should have been closed on XX/XX/XXXX, the {$10.00} charge should not have gone through if the debit card was actually canceled, the balance was XXXX out again and I waited for the pending charge to clear, the {$35.00} overdraft fee should not have been charged as I cleared the charge out the SAME day it went through over the phone with someone, the {$27.00} that was refunded to me is not Citizen 's money and should not have been used to " discount '' ( for them! ) the overdraft fee rebate. 

I called for the THIRD time, spoke to a very nice and more informed representative who said this account was now actually closed but did not agree with the fee rebate amount either. Because I wanted my {$27.00} back that was returned to me and was my money, I had to RE-OPEN this account now in order to submit a claim to get it back, because apparently paper checks aren't an option and I need to have an account with them to get my money, that I did not authorize them to take/use, back?? Now we wait.

This bank is NOT for " Citizens ''. It is corporate greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable items listed below : DISCOVERBANK Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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: Debt collection

I noticed this on my credit reports. I have no knowledge of this account or debt. This is not my provider & have not used this service since I previously paid off a debt from XXXX XXXX XXXX and have not used them since.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I attempted to deposit {$1200.00} into my Keybank checking account via XXXX XXXX. XXXX XXXX. The money was never deposited despite the fact that XXXX XXXX claims to have received a confirmation from Keybank that the money was deposited into my account. It has been two months now and every time I call either party, I just get a runaround. 

Nobody has been able to find my money, it is not in my account, I have spent a collective sixty two hours on the phone between Keybank and XXXX XXXX attempting to get a resolution to no avail. I have no idea what else to do. Somebody from Keybank needs to call XXXX XXXX at XXXX XXXX at XXXX and find my money.
Product: Money transfer, virtual currency, or money service

My Tezos suddenly disappeared from my account on Coinbase and their customer service is atrocious. I have tried multiple times to get in touch with them but to no avail. This is not ok and I have no insight as to what happened here.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy Case Number : 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 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 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 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: Mortgage

We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX, XXXX, and Experian consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

I have attached my credit report and marked the items. 

Items XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have filed disputes to XXXX concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. XXXX stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX and NCB Management Services. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. 

On XX/XX/year> I called XXXX to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, XXXX, address, phone number, and employer via certified mail which they received on XX/XX/year>. XXXX has not removed these harmful accounts from my report. XXXX has also denied me access to my credit report through there XXXX XXXX because my birthday is not on file despite having received it. 

I am confused on the direction I should pursue to resolve this issue. Please investigate how XXXX can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. I reviewed my credit report like usual, but unexpected discrepancies appeared. I tried refreshing my browser, hoping it was a glitch, but the inquiries remained. I am frustrated and request a prompt, thorough review of the documents Ive provided so that I can put this worry behind me.
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 XXXX XXXX XXXX XXXX XXXX  has violated my rights.
Product: Credit card or prepaid card

Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022, for my Discover Bank account. 

I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
Product: Mortgage

Nationstar/XXXX XXXX found they made a mistake, but only credit me XXXX out of XXXX. Why did they only credit me XXXX? Why does it state on their resolution letter my modification was completed on XX/XX/XXXX when it was completed in XX/XX/XXXX? Their history of payments are too hard to understand, I have called XXXX XXXX multiple times and she has not returned my call. 

This is not the same issue. I 've already been proven right, Nationstar made a error in accounting and has now provided me a credit. This complaint is to clarify why the amount credited is so low. They should not have charged me any late fees or any bank fee 's ... I have not been late since the modification was singed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries on my report on XX/XX/2020 and received no response. I then sent out a letter asking for a prompt response due the response then being 45 days overdue. There was no information given as to how the inquiries on my report were validated when they are obviously fraudulent. I've now submitted a report with the Federal trade commission as I've learned that they can help me with the matter of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, 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
Product: Vehicle loan or lease

My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.
Product: Credit card

I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''
Product: Debt collection

COUNTRYWIDE HOME LOANS, INC. ( hereinafter " BAC CORP OWNED ASSET '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ). 
To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC CORP OWNED ASSET is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).
Product: Prepaid card

Hello, I am Rushcard customer. I still have not received my payroll direct deposit, which was due on XXXX/XXXX/2015. They also zeroed out my account of the funds that were there prior to the " upgrade ''. When I called, I was in the call que for as long as XXXX hours before being disconnected. Once I did get through, I was given the generic answer and apology. They sent emails and texts letting us know that this upgrade was coming, but when everything went awry there was no communication at all. Then when they finally did send an email, it was about waiving all the fees during the holidays but the problem still is not resolved! Not only could people not receive funds but they could n't take any out or make purchases. I had to ask my employer to do a reverse direct deposit to get my paycheck back and that is going to take 3-5 business days! I have a family to feed, bills to pay and am in the process of moving. This is unacceptable! 

Now I completely understand the situation but it should and could have been handled better than this. I was pleasant each time I called. ( XXXX times called, got through once ) I will no longer be doing business with Rushcard. 

Thank you for listening.