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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Checking or savings account

Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. 
XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. 
XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. 
XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. 
XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. 
XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. 
XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. 
XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.
Product: Debt collection

hello good morning i am filing this complaint because i am tired of trying to have this account removed from my credit report and nothing to help me this macys account was opened fraudulent on XX/XX/year> 3 years ago and I have not been able to remove it from my credit this has affected me enough the credit limit is XXXX and today it has a balance of XXXX as well as an account of Best Buy that they opened fraudulently on XX/XX/year> with a credit of XXXX and has a balance of XXXX I have looked for a way to pay that debt that I did not obtain and they have not wanted to help me either
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of below accounts has 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, 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: Checking or savings account

Citibank informed me that they were closing my two savings accounts on XX/XX/XXXX. One savings account had over XXXX in it and the other has roughly {$500.00}. I was told the process can take 30-60 days. I followed up with them again on XX/XX/XXXX, they were not able to give me any additional information. On XX/XX/XXXX ( today ) I was informed that the smaller of the two accounts was officially closed on XX/XX/XXXX, funds no longer in the account but could not confirm if a check was mailed. I confirmed they had the correct mailing address but I still have not received the check. She informed me that the larger account was still locked with my funds in there but has not been closed. No further information given. This is my second complaint and o am concerned where the funds from the smaller account have gone and why the larger account isnt been closed. They are holding onto my money. I am currently trying to buy a home which is now impossible because I dont have access to my money.
Product: Debt collection

The company calls all day and very early in the morning and on Sundays. I have answered and asked the to stop calling and to contact me by mail for information and it is constantly harassing me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the information from my credit file resulting from the crime. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the inquiries are UNKNOWN to me. 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX  balance {$0.00} account # XXXX
Product: Credit reporting

I have XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.
Product: Credit card or prepaid card

Under the Millitary Lending Act and formerly the Service Credit Civil Relief Act American Express promises no annual fees for their cards. However, recently ( as of XXXX XX/XX/2020 ) they have not been honoring this promise for those who do not qualify for SCRA, instead, they make excuses that you were not identified as military when you applied for the card which I tried to do by entering my SSN and identifying my occupation as military. Then, proceeded to provide them with the documents and they still do not approve me. This is a problem many Servicemembers have been having recently : XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to Experian as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL. 

Remove XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. 


Delete the accounts below JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
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 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX XXXX.. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
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. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim to Experian 's fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : I C SYSTEMS COLLECTIONS XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 dispute the incorrect late payments appearing on my credit report issued by your agency. The erroneous details are as follows : List Incorrect Account Names with Late Payments XXXX. XXXX XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX. Auto Loan - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This letter constitutes a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The incorrect late payments negatively impact the accuracy of my credit report. 

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The incorrect late payments do not accurately reflect my payment history and should be corrected or removed. 

I kindly request that you investigate the accuracy of the late payments reported on my credit accounts, correct any inaccuracies found, and provide me with a free copy of my updated credit report reflecting these corrections. 

Failure to address this dispute may result in legal action as permitted by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.
Product: Credit reporting or other personal consumer reports

I discovered that my personal information has been exposed with the Equifax data breach. I am very upset that my privacy has been exposed.. I am also upset that fact that I have not given anyone written consent to share my personal information 15 U.S.C 6802 obligation to disclose personal information. Where is the accountability? To my unsderstanding as a federal protected comsumer all financial institution must protect the right for privacy. Due to the fact my personal information was exposed I am demanding the non affiliated agencies such as Equifax, XXXX and XXXX to delete all accounts listed with the FTC report below. This is my formal written consent to remove all unathorized accounts from my consumer report. 15 U.S.C 1681b ( 2 ). I have attached a copy of the screen shot the Equifax data breach results.
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 : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According 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: Credit reporting

I opened a XXXX XXXX Bank account # XXXX on XXXX/XXXX/2011. The payment " history '' on my account is incorrect and needs to be fixed ASAP as it effects my credit score. Currently Experian is only reporting 2 years of " payment history '' and there should be 5 years and 4 months. Please correct this error ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is XXXX XXXXXXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.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 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is URGENT. On XXXX XX/XX/year>, I initiated a bank to bank transfer from my Wells Fargo app. This was an incoming transfer coming from my external bank account ( XXXX XXXX  ) into my Wells Fargo account. The transfer amount was {$1900.00}. Later that same day, I called Wells Fargo and asked the phone banker to cancel the transfer. The transfer was indeed cancelled. However, Wells Fargo has later gone ahead and pulled that money from my external bank account without my authorization. I need that money to be returned back to my external bank account by XXXX XXXX.
Product: Bank account or service

I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my 2 previous complaints Early Warning Systems they stated they do not have the documents that would give them authorization to posses my non-public personal information. That being said the accounts from XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX that Early Warning Systems has in their possession without my written permission is a violation of the Gramm Leach Bliley Act. This my last time demanding that Early Warning Systems Remove this personal account and information from their data base. Early Warning Systems also recommended I contact the banks however the banks are not the ones causing me financial harm and damage. Early Warning Systems is making it impossible for me to open another bank account because they have information in their data base without my permission and with knowledge of being false. The FCRA states that it is a violation to house information on a consumer with knowledge of it being false.
Product: Credit reporting or other personal consumer reports

Since I have never had a business relationship, I asked them by email for clarifying information. They in the credit bureau say that I owe them XXXX dollars and I have never had a business relationship with them. They also indicate that I have a delinquency that begins in XX/XX/2024, which if not I have a business relationship, even less do I have a payment commitment with said company. Name company is CENTRAL PORTAFOLIO CONT