23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

According to 15 USC 1681b The law states that You have to give them written consent to furnish your information and or obtain your information to be reported on your credit report. Well I have not given them any type of permission.
Product: Checking or savings account

It happened XX/XX/2024 at XXXX. 

Someone withdrawal {$2600.00} from my Chase checking account with pin code authorized. Even i never lost my debit card. I had my debit card physically.

After that happen I claimed immediately at Chase fruad department. I also got a police report. But Chase bank denied to get back my money.

Chase bank refused to tell me who and where withdrawal from my checking account.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  I called and asked for the bank to get my money back because its a scam and they told me the bank will not get back with them in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be removed i didnt authorize these companies to run my credit this is fraudulent
Product: Debt collection

I paid the debt of my credit card 6 years ago and the debt collector sent me letters several times harassment with strong words about lawyers and was cited at the court 3 times year 2021 because they don't have my payments.The judge sew my payments and the lawyer that was represented to the debt collection company ( not the bank ) he was the lawyer of debt collector company, said : apologize XXXX XXXX because we don't knew these information. The details and decision of the judge was clear and dismissed the case because the judge sew my payments and was angry with the collector agency lawyer. I sent XXXX letters to the credit report ( XXXX XXXX and XXXX ) explain this with a copy of the judge sentence and requested that was removed from my account. They can't make something about that. 
My credit report each month yet report these like delinquent. This situation is damaging my credit with false report from the other debt collection company with the same amount and problem but now is a new debt collector. This is an abuse is harassment and I have a strong desease and this situation is affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I checked my credit report with Transunion and noticed false information being reported on my personal credit report with a company named XXXX/XXXX. I sent Transunion a letter via certified mail # XXXX on XX/XX/2019 and received a proof of delivery that they received my letter on XX/XX/2019. I have attached my credit report from XX/XX/2019, the letters I sent to Transunion, and proof of delivery for your review. I notified Transunion that there was an inaccurate item being reported on my credit report and that I contacted the company at the address listed on my credit report as XXXX XXXX, XXXX, TX XXXX, however, the mail was returned by the USPS due to an invalid address. I enclosed a photocopy of the returned mail. 

I have not heard back from Transunion regarding this matter. Today, XX/XX/2019, when I checked my credit report, I noticed that XXXX/XXXX was still listed on my account with false and inaccurate information. Given that the furnisher has provided false information to Transunion and a false address I demand that the item they are reporting be removed immediately. 
Thank you for your cooperation in this matter.
Product: Credit card or prepaid card

Capital One decreased my credit limit and raised APR without proper notification. Account is current and no payments have been missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent a letter to Experian and XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XXXX I Debt Validation Letter was sent to XXXX XXXX XXXX. I have never received a response to this request. XXXX Validation of Debt was sent to Experian and XXXX XXXX for XXXX XXXX. XXXX Second Validation of Debt was sent to Experian and XXXX XXXX for XXXX XXXX XXXX XXXX I sent a letter to Experian and XXXX XXXX stating some factual disputes and also that XXXX XXXX XXXX had not responded to my Validation request. XXXX I filed a CFPB Complaint XXXX which included XXXX XXXX and Experian not reporting correctly according to the CFPB. XXXX I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from XXXX XXXX. I have proof this was mailed out. I also sent on XXXX letter to Experian Stating that a Debt Verification Letter had been sent to Credit Acceptance with all this information in it. XXXX sent letter to XXXX XXXX stating factual inaccuracies. I received notice on XXXX from Experian that XXXX XXXX Certified that the information was accurate. Also in that same report I saw where XXXX XXXX was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. XXXX XXXX XXXX did not notify Experian of XXXX XXXX I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also Experian was told by me in the last letter that I had contacted XXXX XXXX XXXX asking for Validation again and Experian still allowed XXXX XXXX XXXX to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.
Product: Debt collection

Transworld Systems , Inc has failed to provide any notice of debt collection activities prior to reporting inaccurate information to third parties. I do not consent to Transworld Systems housing and utilizing my Personal Identifying Information to impede in my progression in life. I have never recievied any chain of title to show any legal rights of Transworld Systems Inc to possess and utilize my personal property. Transworld Systems Inc has reported incomplete and inaccurate information to several consumer reporting agencies without prior notice, and without consent. I am requesting complete ownership information detailing how Transworld Systems, Inc has come into possession, what was given in exchange to receive my PII and complete lawful title of this ownership as I have never provided any type of informed consent for my information to be utilized as any investment asset or gain by Transworld Systems , Inc. I would like a full detailed accounting according to Florida Statute 976.210 to confirm the existance of any alledged debt due on my behalf prior to any inaccurate information to be shared to any third party. Transworld Systems Inc has been violating the Gramm Leach Bliley Act for several months now that I have investigated, by sharing my consumer information without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

The following is a list of inquiries that were authorized without my content, using my personal information to open accounts fraudulent. The inquires In questions are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After 30 days of initial dispute of the disputed XXXX XXXX account # XXXX, asking to validate account, equifax failed to do so and deleted the account, I learned today they reinsterted the account without notifying me, according to FCRA previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement was not practiced. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) only in cases where the deletion occurred as a result of the finding in a dispute.
Product: Debt collection

XXXX has charged me for a balance that I do not owe. I reached out to them and discussed the matter and they told me they would clear out the account to zero. A years later, this account is still appearing on my credit reports and compromising my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

based on document received from chase mortgage servicing unit aka as XXXX mortgages in XXXX Ohio XXXX Ohio chase whistleblower employees have been sending me documents relating to violations of uscfpb regulations regarding mortgage loan transfers from XXXX chase to jp morgan chase bank as well as copies of forged documents for oh XXXX to use in a fraudulent foreclosure after manufacturing defaults by not applying payments. now they and district manager XXXX of XXXX wa XXXX XXXX chase bank district manager have discovered XXXX of dollars on these documents being reversed and illegal fraudulent transactions and in chase computer that are being laundered through my mortgage escrow account calling them mortgage misapplication reversals and then applying them to unapplied funds and elsewhere. now they discovered the charging of property preservation disbursements to my mortgage account which only takes place if the owner is not taking care of the property and or a foreclosure. neither of which is true in m case. this conduct is consistent with the occ sanctioning chase mortgage servicing management for failure to comply with the national mortgage settlements and is consistent with chase bank now being a XXXX by the u.s. dept of justice Attorney General XXXX XXXX. it is time for the uscfpb and occ to gets its examiners into chase and start auditing my mortgage loan numbers of which there are XXXX and my escorw accounts as in cash accounting and all mortgages in loss mitigation which is chase euphemism foreclosure mill run by XXXX XXXX s.v.p and XXXX XXXX ceo of chase mortgage banking. we need cash accounting of which there is none in chase mortgage servicing to stockholders or homeowners. these practices violate the consumer protection law federal mortgage escrow accounting act. I have been complaining about chase escrow dept for five years. chase employees have erased all escrow information on my chase mortgage website and have not issued a detailed escrow transaction statement since 2010. the online transaction listing is a fake since it does not have an y internal misapplication reversals on it. no display of unapplied payments and no display of property preservation disbursements. the whole mortgage is a fraud the escrow is a fraud and I have docs from chase that may show my mortgage servicing is just a money laundering operation to steal my escrow funds and mortgage payments.and then XXXX them to XXXX as the occ has charged chase and XXXX XXXX of doing
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 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 u.s.c 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been incorrectly associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Debt collection

This is not my debt and THIS DEBT WAS DISMISSED BY A JUDGE IN XXXX XXXX XXXX. ( SEE ATTACHED DISMISSAL LETTER ) THIS DEBT HAS NOT BEEN PROPERLY VERIFIED AND DOES NOT BELONG TO ME. YOU ARE VIOLATING MY RIGHTS AND IMPROPERLY REPORTING TO MY CREDIT REPORT. IT IS REPORTING AS AN OPEN ACCOUNT. THIS ACCOUNT IS CLOSED AND CHARGED OFF. THIS ACCOUNT WAS DISMISSED BY A JUDGE DUE TO THE PLAINTIFFS FAILURE TO FILE ITS AFFIDAVIT OF INDEBTEDNESS AND COSTS. THIS WAS DISMISSED IN XXXX  AND IS NOW BEING ILLEGALLY REPORTED ON MY CREDIT REPORT BY THIS COMPANY WHO SEEMS TO THINK A BILLING STATEMENT =DEBT VALIDATION. SORRY BUT A BILLING STATEMENT THAT COULD EASILY BE MADE TO LOOK AS IF IT IS MINE, IS NOT DEBT VALIDATION. I HAVE NEVER SEEN THOSE STATEMENTS AND THOSE STATEMENTS DO NOT BELONG TO ME. WHERE IS MY SIGNATURE SHOWING I SIGNED UP FOR THIS ACCOUNT? YOU DO NOT HAVE ONE BECAUSE I NEVER SIGNED UP FOR XXXX, I HAVE NEVER HAD A XXXX ACCOUNT. THIS NEEDS TO BE REMOVED FROM MY ACCOUNT AS IT IS REPORTING INCORRECTLY ON MY CREDIT REPORT AND THIS IS AGAINST THE LAW & YOU ARE ALLOWING THIS COMPANY TO BLATANTLY VIOLATE MY RIGHTS AS A CONSUMER.
Product: Checking or savings account

On XX/XX/2022 at XXXX a checking and savings account were opened up online with Truist/SunTrust Bank using my social security number. I was told by a banker at the XXXX, PA branch that ppl are able to create an online account and skip the upload ID step. 

An hour later, at XXXX on XX/XX/2022 money from my XXXXXXXX XXXX checking account has been transferred into these Truist accounts ( {$50.00} into savings ; {$1900.00} into checking ). 

I have called fraud at both banks. I am extremely upset and cornered that no ID was needed to create an online account with Truist and this fraudulent person was immediately able to start transacting funds. There should be a period of time where the accounts are reviewed for actual ID.
Product: Checking or savings account

Hi, I got charged by my bank ( PNC ) for a cash advance fee for an " overdraft '' protect feature which I believe had already been turned off. 

I over drafted my checking account on XXXX, and immediately fund the account as soon as I realized it. The bank funded my checking account by drawing a cash advance from my credit card account via overdraft protection feature and charged me a {$170.00} cash advance fee. I believe I've already disabled this feature. I called the bank asking about the charge, 2 persons, one from checking and another from credit card, both told me that they saw the feature was off - they escalated the issue. However, when the representative from the escalation department called me back, he wasn't able to resolve the issue. 

The cash advance fee was way higher than what i would have been charged for overdraft. Not sure why the bank would even call it protection. The bank didn't notify me when my account was overdrafted until the next day, otherwise i could have fund the account immediately.
Product: Credit reporting or other personal consumer reports

Equifax lowered my credit score by XXXX points in a month because my credit usage increased. However my total credit card usage ratio is under XXXX percent to available credit use and my payment history is XXXX XXXX percent. This affects my interest rates if I want a loan, in effect costing me more money. No company or business should have this kind of influence on my personal finances without my personal consent.
Product: Checking or savings account

I have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.
Product: Credit card or prepaid card

I submitted fraud on charges made to my Chase Freedom Visa card on XX/XX/2021, to XXXX online for the amounts of {$140.00} and {$10.00} I even received an email of the XXXX items being delivered to an address in Texas, with a picture of the front door. I NEVER ordered these items and don't even know anyone living in Texas. I have used XXXX online before but these are not my charges! Chase did reverse the original charges while they were investigating. I got a notification from Chase saying that they reviewed my case and " determined I received benefits from these charges '' and they were therefore putting them back on my credit card. I called again and told them they were not my charges. I then received another letter dated XX/XX/2021, that said " You asked us to review our previous findings to the fraud claim on the credit card account above. Here are our findings : Our latest review confirms the previous finding that the transaction is valid. 
The transaction will remain as part of your account balance... blah, blah, blah. '' They are blatantly calling me a liar. I have had this credit card for SEVERAL years and have ALWAYS paid my balances off. My credit score is well over XXXX. I am flabbergasted at how a company can determine that I received benefit from something that I was no part of and that someone could actually charge something to my credit card that I have no awareness of and I'm being told I am responsible for them I cancelled this credit card ( and they reissued another card ) but I am going to cancel my account as I no longer want to do business with a company that doesn't look out for the welfare of their customers and am considering moving my mortgage as well.