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

Upon finally getting an updated credit report I noticed my credit report had XXXX in debt that did not belong to be including someone elses name. Equifax removed one of the names then there still remains a variation of a name that is nowhere near my middle name or its initials. The accounts still remain on my credit. These items randomly appeared on my credit. I didnt have access to my credit for month. One of the creditor had already verified last year that an account was fraudulent. Im assuming the Equifax doesnt know that I reach out to these creditors and a lot of the times they will say they never even receive a dispute. My information doesnt match and information in their system.
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 Account name XXXX XXXX XXXX  Account name : XXXX XXXX, Account name : 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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX transfer from my Ally bank account to a payee who has a bank account at XXXX XXXX. On XX/XX/XXXX I received a confirmation from Ally that the credit to the person was processed, however according to XXXX XXXX the money has not arrived. I tried to contact Ally customer service several times and they say that their part is done. When the other person contacts his bank they say the money has not arrived, which means the money seems to be lost and now I will have financial burden as I will have to make another transfer.
Product: Credit card or prepaid card

I purchased a plane ticket with XXXX XXXX on XX/XX/2022 with my Citi Bank credit card in the amount of {$2000.00}. I'm requesting a refund in that amount. 

The trip involved a XXXX hr flight to the XXXX. 
I recently had XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time I purchased the ticket I thought my XXXX XXXX was resolved. 
However, soon afterwards, I realized the problems associated with the XXXX  XXXX was still an issue. The major problem I have is being unable to sit for any length of time over XXXX minutes. 
After visiting my physician XXXX XXXX XXXX XXXX XXXX at XXXX hospital in XXXX, Tx, confirmed my fear and he wrote a letter documenting that a XXXX hr. flight with extended sitting could be harmful to my XXXX and possibly undo the results of the XXXX. 

I opened up a dispute through my credit card company Citi Bank on XX/XX/2022. 
The dispute # is XXXX. 
Citi and XXXX XXXX declined the dispute, but I have appealed that decision. 
I wanted to emphasize the letter from my surgeon stating the XXXX hr. of sitting on a plane could be harmful to my XXXX
Product: Credit card or prepaid card

First national Bank of Omaha received my XXXX payment of {$110.00} and did not give me credit for it and made my XXXX payment {$270.00} when it should have been {$120.00} at most and ever since the skyrocketed over {$1000.00} now I've offered them cash settlement they will not even talk to me about it they're acknowledging that I made the payment on XX/XX/XXXX but they never gave me credit for it my main statement says I missed my XXXX payment and they charge me late fee plus they're charging me for XXXX payment after I made it and they admitted to the fact that I've made it but they are not giving me credit for it
Product: Credit card or prepaid card

Case No. XXXX, Dispute was initiated for {$59.00} with enumber inc. A previously issued credit was re billed. There has been 2 transactions with enumber. one on XXXX and other onXX/XX/XXXX. Both of which are disputed. Customer service representative failed to understand this.
Product: Bank account or service

I have a bank account through Capital One 360. Capital One 360 decided that they wanted to speak to me about my account. Instead of contacting me through the email address that they have on file they instead froze my account, prohibiting access to my funds. My account is in good standing, there was no reason they should have frozen my account without my permission. I only found out that my account was frozen when I tried to pay my Capital One credit card bill through an ACH transfer. Since my account was frozen my payment bounced and I immediately received interest fees and late payment charges. I do not login to my Capital One 360 account often so I did not see the freeze that was put on my account without my permission. Upon realizing that my payment bounced I called Capital One 360 and they asked me marketing questions, as well as a few questions to verify my identity, even though my account does not have much activity and I have had the account for 12 months. I believe they froze my account to solicit marketing information from me, as they had previously verified my identity when I signed up for the account 12 months prior. I have had to spend significant time trying to get these fees reversed and I believe that freezing my account ( in good standing ) without my permission, just to obtain marketing information about me violates my rights as a consumer.
Product: Mortgage

My letter to Chase below outlines the issue : RE : 1 ) Account Number XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ) and 2 ) Account Number XXXX ( XXXX New Jersey XXXX, XXXX, PA XXXX XXXX Dear Chase Research Department Representative : We have been a Chase customer for many years, and have had approx. 20 mortgages with Chase, and never once were we past due on a mortgage payment. Two mortgages were recently paid off, and this letter is regarding those two mortgages, which are referenced above. We currently have 15 open mortgages with Chase. 

Recently, you removed the two above referenced loans from auto-pay, the loans became past due, and you reported us 30-days past due. Please see the sequence of events below, and consider adjusting the derogatory credit reporting from both accounts. 

You supposedly sent us letters on XXXX XXXX, which I verified were sent by your call center Rep, but we did not receive the letters. In the letters, you informed us that you would send us the payoff amounts by XXXX XXXX. 

You did not send the payoff amount letters, which I confirmed yesterday ( XXXX ) with a Chase Rep. during a phone conversation. 

Instead, on XXXX XXXX, you sent us past due payment notices, which we received on XXXX XXXX. 

We contacted your office the morning of XXXX XXXX. The Chase RepXXXX calculated a XXXX day per diem, and asked that we overnight the payoffs so they will match the balance he calculated. However, not once did he mention that our credit may be affected. 

On XXXX XXXX, we overnighted the payoffs to you. 
You credited our accounts on XXXX XXXX, and reported to the credit bureau agencies that we were 30-days late for the XXXX XXXX payments. 

We are applying for a refinance on our primary residence, and your derogatory reporting was brought to our attention because it affected our scores.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau, the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, & Experian. Please delete the following accounts, XXXX XXXX {$16000.00}, XXXX XXXX bal. {$330.00}, XXXX bal. {$1600.00}XXXX XXXX XXXXXXXX bal. {$310.00}, XXXX XXXX bal. {$1700.00}, XXXX XXXX. {$10000.00}, XXXX XXXX bal. {$1600.00}XXXX XXXX XXXXXXXX bal. {$310.00}, XXXX  bal. {$1600.00}, XXXX XXXX XXXXXXXX bal. {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Conversion  for Accounts my rights have been violated for accounts ; # XXXX - XXXX XXXX # XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written authorization instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Wells Fargo received a payment in the amount of {$2000.00} from my XXXX XXXX checking account ending in XXXX. The funds were mistakenly sent to pay a " PAID IN FULL mortgage account # XXXX. The funds ( {$2000.00} ) laid dormant in this " Paid in Full '' account for 4 days. 

On XX/XX/XXXX, I placed a phone call to Wells Fargo. I explained the above to a clerk who looked up my account. She agreed that the funds are in the " paid in Full '' mortgage account. She could not explain why the funds laid dormant in the " Paid in Full '' mortgage account for 4 days. The clerk told me that they could refund the money to me, but that the funds would have to be send back through the " Bill Pay '' that I used to pay the mortgage. I then clearly explained that the " Bill Pay '' account that was used to send the funds was now cancelled and asked them to send a certified check to me and my wife instead of sending the funds back through a closed " Bill Pay '' account. The clerk left the phone to confer with her supervisor. The clerk then told me that she would have them mail a check on Monday XX/XX/XXXX and That I would get the check on Tuesday XX/XX/XXXX. I never received the check. 

On Wednesday XX/XX/XXXXI placed another call to Wells Fargo. spoke to XXXX employee # XXXX. The funds ( {$2000.00} ) in the account were now marked as reversed. XXXX said the funds were sent back through " Bill Pay '' channels.XXXX XXXX said they do not have the money and the bill pay company does not have the money. The money was never mailed like I requested and that they consented to. Could someone please help me recover my money. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus all have some kind of incorrect information on my file. There was wrong addresses, names, phone numbers, emails, etc. I have filed for identity theft twice. I have included police reports. Ive lost my home. I lost everything and credit bureaus wont investigate thoroughly. It should be plain as day that I am a victim. I am doing whatever I can to fix credit but I cant seem to get a break because the errors on my file arent corrected. I have reports that were filed by police but still nothing. Ive talked to fraud departments. There is only 2 people in the world with my name so its extremely easy to pinpoint my info and use it online. How hard is that to understand! My entire life will be fighting against my identity and for my reports on me to be accurate. Its a a shame while the criminal is out there living the best life and Im here open and providing documents but still am being told that information is accurate and verified. Check cameras, IP addreeeses, significant locations, and listen to call recordings and 100 % anyone will see that I am a victim of fraud, unauthorized charges and identity theft.
Product: Bank account or service

Created a bank account with Citibank using promo code XXXX on XX/XX/2016. I funded the account with {$30000.00} on XX/XX/2016. The promo code required to : 1. Opean Citibank Account, 2. fund the account within 30 days with a deposit of XXXX 3. maintain that XXXX balance for 30 consecutive days after the initial deposit was made. 

The promotion was for {$400.00} that would be deposited into the bank 90 days after all the criteria were met. All the criteria were met on XX/XX/2016 ( 30 days after the initial funding deposit of XXXX ). 90 days after XX/XX/2016 is XX/XX/2016. 

As of XX/XX/2016 I had not yet received any credit to my account for {$400.00}. I called the bank on XX/XX/XXXX and was told that the credit was delayed because of the holidays and that a case had been created and I would receive confirmation via Citibank 's online portal system within 48 hours that a case had been made. On XX/XX/XXXX, I had not yet received a confirmation from CitiBank so called again and created another case with employee XXXX. The case number is XXXX. After calling back to ensure the case actually existed, I was told it would take between 45 and 90 days for the investigation to occur. This is unacceptable to me.
Product: Money transfer, virtual currency, or money service

A third party vendor loan forgiveness called Summit Horizon Financial Services had taken {$750.00} from my account and refused to return my money. They have managed to get pertinent information about my student loans and SSN via XXXX login not authorized by me. They promised to help with loan forgiveness process XX/XX/2021 but I declined the offer the very next day, but they have already gotten the money. After contacting them several times, the representative gave me a cancellation letter, but no refund was made. There are no cancellation confirmation in the letter and the representative can not give me one as well. After researching in the web I found this linked In person By the name XXXX XXXX. Please investigate this person. The emails that is used for the e-signature fee doc also gives back mailer-XXXX. Please help!
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not.

I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate.

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law.

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items listed on there to be inaccurate. I have filed a report with the FTC and I have sent 7 certified letters demanding these inaccuracies be deleted from my credit report and they still have not been verified or removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : If 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. 

I have attached the FTC report and document highlighting the inaccuracies. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility and I trust your agency will handle this with the necessary diligence. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion are reporting negative XXXX XXXX accounts on my credit report. I sent Transunion numerous letters stating I'm in good standing with the creditor.
Product: Checking or savings account

I Was working out at XXXX XXXX  on Monday XX/XX/XXXX, around XXXX, My phone was inside of my purse with my wallet and other personal Items Someone went inside of the locker room while I was working out and stole my phone, wallet, and all of my bank cards I had multiple unauthorized ATM transactions on my account In the amount of XXXX $ that was done on my Huntington account from XX/XX/XXXX up until XX/XX/XXXX. 

I did file a claim with my bank and the that reference number - XXXX
Product: Checking or savings account

The information posted on NFCU application is approximately 48 hrs different than what is really accurate. I was charged a insufficient fund charge of {$29.00} and not one day in my app reflected a balance that did not support a check written for the balance required. I have XXXX checking accounts and XXXX savings acct with NFCU and savings is minimal and XXXX checking is significantly more than balance of insufficient check. I have the money. Why is it the credit union chooses not to help their customers. They returned the {$29.00} and returned the check to the individuals bank. No help!! Pay the check from MY aact!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. I have contacted the FTC and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit karma on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with capital XXXX XX/XX/XXXX which i never applied anything for and another XXXX on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX XXXX and XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a chase bank I had applied for 2 things. I did not do anything with anything with Chase Bank. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report I noticed that I have some fraudulent account along with some inaccurate information in my credit report. Please removed them they affecting my ability to obtain credit.
Product: Credit reporting

I believe there is a mistake with my credit report. There is an open collection account from XXXX ( XXXX XXXX XXXX XXXX ) that was started on XX/XX/XXXX to XX/XX/XXXX. It is now managed by an agency called XXXX. It says I owe {$680.00}. One reason this is impossible is that at the start of this debt, I was only XXXX years old. I was but only a XXXX at high school. I do not recall ever being a patient at XXXX. I have never heard of this place until I opened an account in XXXX.