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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding an issue with a transfer between my accounts at Citizens Bank and XXXX XXXX, which remains unresolved despite numerous attempts to fix the problem. 

On XX/XX/XXXX, I opened a new account at Citizens Bank and initiated a {$5000.00} transfer from my XXXX account ( transfer # XXXX ). The funds left my XXXX account on XX/XX/XXXX. Subsequently, I initiated a second {$5000.00} transfer on XX/XX/XXXX ( transfer # XXXX ), which was stopped for security reasons. Because of this, I received an email from Citizens stating that the first {$5000.00} transfer also did not complete, even though the funds had already left my XXXX account. 

To meet my total transfer requirement of {$15000.00}, I initiated a {$10000.00} transfer on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX, via the XXXX website, both of which were successful. However, the initial {$5000.00} remains unaccounted for. Despite multiple follow-ups with both banks, the {$5000.00} has not been returned to my XXXX account or credited to my Citizens account. 

I have made XXXX separate calls to both institutions, totaling over 2 hours and 35 minutes on the phone, without resolution. It has been over 30 days since the initial transfer attempt, which exceeds the 20-day period specified in Regulation E for resolving such issues. While I appreciate the overall customer service at XXXX, they have been unable to resolve the issue due to limitations in their authority, and their research team has failed to contact me. Meanwhile, Citizens Bank has not provided adequate support or resolution, and has even stated that they are simply unable to find a trace ID for the transfer. 

Thank you for your attention to this matter.
Product: Mortgage

I sent in a {$2000.00} mortgage payment to my old servicer ( di-tech ) and the check was cashed XXXX18. Upon realizing I sent to wrong servicer ( my correct and current service is XXXX XXXX ), I called di-tech  to initiate a refund. I was transferred around, spoke to numerous supervisors, and have still not received my XXXX back after 30 days now. I had been promised calls back, gave them my checking account info to refund the , but have still not received my money back. I'm getting the run around, not being assisted, the wait times are extremely long on calls, and the customer service and problem resolution is terrible.
Product: Debt collection

Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise. 

The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ). 

After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ). 

There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report from this company that I NEVER gave them any authorization or approval to furnish this private information.i offer my testimony herein that I have not I have not authorized or given anyone access to my private and confidential records and certainly not the information youre reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX SC XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from Experian that updates have been made to my credit score on XX/XX/2022. 

The new complaint is XXXX put a false report on my credit score account and XXXX 's departments are in conflict with each other as far as delivering communication messages to me as the consumer. 

XXXX, indeed and in fact, flagged my account on XX/XX/2022. It states next to Navients report for me, NEGATIVE ACTIVITY can have a SIGNIFICANT IMPACT on my credit score. Please reference the uploaded document to this complaint called XXXX. 

However, on XX/XX/2022, I found another email that confused me. I am to pay XXXX {$210.00} by XX/XX/2022. Again, I found another email that says that XXXX wants {$210.00} by XX/XX/2022. The CURRENT AMOUNT DUE is XXXX. The past due says XXXX. Please reference uploaded document called XXXX. 

However, on XX/XX/2022, I received a XXXX  email from XXXX XXXX XXXX stating, your federal loans are SEVERELY PAST DUE. Is XXXX past due amount considered SEVERE in the webster dictionary terms of definition? Reference uploaded document XXXX. 

I referenced my approved IDR from XXXX. The visual receipt with URL and date stamp of XX/XX/2022, states Our records indicate that you are not due to recertify your income until XX/XX/2022. Reference document called XXXX XXXX  departmental messages and phone calls are in conflict with each other, and my loan account, giving me mixed communication messages. 

I am assuming I am to " continue following '' the next payment DUE DATE of XX/XX/2022 for all my federal XXXX  loans. Thank you for your time in reviewing my concern. Kind Regards.
Product: Checking or savings account

I issued a Webster business check with check number XXXX in the amount of {$5200.00} to XXXX XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and cashed the check with the wrong endorsement/person by the name of XXXX XXXX XXXX XXXX XXXX of the check attached ), even though the check payee was XXXX XXXX XXXX. Webster bank went ahead and it was cashed by the bank on XX/XX/2022. Webster bank cashed the check even though its a wrong endorsement and they didn't do any verification process. 

Upon noticing the transactions online, I made the complaint to Webster bank since XX/XX/2022 ( attached copy of affidavit ). I continuously followed the status with the bank but Webster bank kept saying it was still on process ; officers name of the bank is XXXX XXXX tel XXXX XXXX branch. I firmly believe they do not know what was going on because it was being passed around to different departments of the bank and they don't want to give me any information regarding who is investigating my case. It has been 122 days ( 5 months ) from now and I'm not getting any response from the bank if there is any action being taken. I was told that I will be informed between 4 to 6 months re : the status of the fraudulent activity on my business checking account. Webster bank froze my checking account and yet they keep billing me for monthly fees of {$5.00} dollars a month Webster is unresponsive and not being helpful in resolving the fraudulent activities from my checking account. The amount of money is causing financial burden to my business obligations. I need the help in resolving this problem. Thank you very much.
Product: Credit card

My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my Chase credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXXXXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX XXXX XXXX monthly charges. In XXXX I had a 30 day late reported to my credit from Chase due to the XXXX  charges that I disputed and was later credited back. I am requesting that Chase, XXXX  and XXXX  remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by XXXX.
Product: Student loan

On XX/XX/2021 I received a request for a {$50.00} loan from my servicer Firstmark for a repayment for a new loan which I didnt take out ( roughly $ XXXX total ). It was confirmed to me by the company on XX/XX/2021. That this was a mistake on their end and that they would fix it promptly. Apparently I overpaid for a loan and instead of it showing as a negative balance its being shown as a positive one which I owe. 

Not only did they not resolve the issue but this incorrect balance is showing up as a late payment and it will negatively impact my credit score next week. They are still sending me letters to repay this loan which they confirmed I dont owe. If I dont fix this within a few days my credit score could be permanently harmed. They are not taking action to resolve it unfortunately. They also stopped responding to my emails and will only respond to calls. I need this issue fixed urgently on their part.
Product: Credit card or prepaid card

I am trying to get a credit card from my bank with a zero percent interest rate on transferred balances for the first year than a lower interest rate than I have now. 
The bank ask for the 10 day payoff balance in order to be able to send the company or companies the balance. XXXX has provided this information twice now. Chase is unwilling to provide this information telling me I have to wait until the end of my billing cycle or pay it off and than contact them for interest balance.
Product: Credit reporting, credit repair services, 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 : Account # XXXXXXXX XXXX XXXX has violated my rights. 

XXXX 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

A collection agency is reporting {$840.00} to my credit report. They verified the account to the credit bureau when I sent a dispute to the credit reporting agencies. I proceeded to sending the collection agency a letter asking for the signed documents for that debt. That was in XX/XX/2020. I have not received as response.
Product: Credit card

My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.
Product: Debt collection

I received a Notice on my credit report saying that I had {$98000.00} owed to a establishment called XXXX XXXX XXXX  in XXXX XXXX  Someone used my name and identity to cosign a lease. I filed a complaint with my local sheriffs department. They have a recorded statement for me under oath saying that I was a victim of stolen identity and my Personal information was used without my knowledge or consent. I have had some issues in the past with my identity being used to purchase other items. I was able to stop it from going through. I also have had a freeze on all three credit bureaus with my identity. XXXX XXXX XXXX never contacted me by phone for any other method and used the information given to them to be used for a lease application and as me as the guarantor of the lease. I do have identity theft with XXXX XXXX They have been made aware of whats going on. XXXX XXXX XXXX has failed to return my calls concerning this. I believe that my identity theft may be with someone in their organization. The phone number for XXXX XXXX XXXX is XXXX. 
My phone number is XXXX. 
Thank You for your help XXXX XXXX
Product: Checking or savings account

Have contacted Bank of America on several occasions to wave the 2 fees on the savings account. Bank of America has advised me this will be done, written off, and the account will be closed as per my request. My request too close the account was due to a discrepancy in the terms and fees when it was pushed upon me to open the account witch was opened at the same time as my checking. Furthermore I've had account credits/refunds posted to the closed checking account that still still remains to be paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ASKED XXXX TO DELETE REPORTING FROM THEM
Product: Checking or savings account

Call placed on XX/XX/year> to initiate a dispute for fraudulent activity on savings account. Never received a call, email, letter on suspected fraudulent activity. When dispute was initiated on XX/XX/year> I was advised that they would conduct an investigation and funds will be returned within 10 business days. To date, the funds have not been returned. I was told they are not going to return funds and can take up to 45 business days. My money is insured I have complied with all required information and I am being told I will not receive any monies back at this time due to pending investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

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 says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.
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 XXXX. 

15 U.S.C XXXX section XXXX A. XXXXtates I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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

I send certified letters for the past 4 months, asking for verification of unverified accounts listed on my credit report. I have demand in each letter for copies of the original contact with my signature or immediately deleted the unverified account. 

Despite my requests, the unverified items still remain on my credit report and this is in violation of Federal Law and my rights. I have not received any original contacts from the credit agency and by law is 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 credit agency investigations, it stated in writing that agency " verified '' that these items are being " reported correctly ''? My question is, 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 note, if you need copies of the letters send, please inform my by email. 

thank you