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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.
Product: Credit card or prepaid card

my brother stole my credit card, i own a fence business and had my brother working for me, well i guess he would get my card use it then put it back and kept doing this for i dont know how long, i only get my bank statements every 3 months so when my secretary was going over them she noticed all these that she knew i wouldnt never use she ask me and i went to my bank PNC in XXXX NC so i told them what happened she told me she would dispute them well a few days later i call she tells me they deny it. I call customer service to PNC and the woman there told me she must not have wanted to do her job, was very nice and we disputed them again, along with the mugshot of my brother in XXXX XXXX XXXX  and along with a police report, my brother also stole my company truck and some tools, so again i waited a few days called back they denied it again. I know for a fact that i did not authorize or do these transactions that i have disputed and i need my money back
Product: Debt collection

My wages were garnished to satisfy a debt with XXXX XXXX XXXX a rental agency by Clark County Collection service. When I checked my credit report, they are stating I owe {$60.00} for fees incurred. This feels like a second victimization. I paid the fee. When I contacted the company they stated they were sending out notices for small fees they did not include in the garnishment. I explained that it had been several months since I paid off the garnishment and they were now attempting to collect more debt. This is on my credit report as having been open since XX/XX/2015. I don't understand how they can do this. If the debt was paid, why am I paying additional fees? They also have not billed me or sent any information stating this account has been settled.
Product: Checking or savings account

Account opened on XX/XX/XXXX. I did NOT open this account. I am a former XXXX  and this was part of my pension plan. Account balance is {$3400.00} USD. I have tried repeatedly to close account and get XXXX I even sent {$12.00} money order for 2 day check. Citti bank says issue is id verification document. I sent XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX permit which I'd Photi I'd issued by state with photo, name, Birth date and Exp date. XXXX Ss 101.043 from 2016 states that this document is valid for ID purposes. Citi will not accept this and refuses to give me my XXXX I am a partially XXXX XXXX XXXX veteran. I should not have to drive 4.5 hours to a public branch for Citi to resolve this. I do not have a driver 's license. Which seems to be the whole problem. They also will not provide me with a complete acct number. The notice on the account only gives the last 4 of the account # XXXX. I have been trying to resolve this since XX/XX/XXXX and have talked to them weekly since then. They refuse to send my XXXX I am trying to get a DMV photo ID but am waiting on birth certificate to arrive from XXXX Please help.
Product: Debt collection

I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal! 
I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date opened on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$280.00} FCO XXXX Original Creditor : XXXX XXXX XXXX XXXX - Date opened on XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$3800.00} XXXX ( Original Creditor : XXXX PARTNERS ) - Date open on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter. 
I am DEMANDING you to remove these collections accounts! 







for Improper use on my consumer report.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX to account of XXXX XXXXXXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to OFAC for a license to unblock my funds. On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wired {$31000.00} to XXXX XXXX from my XXXX XXXX checking account. The transaction was done correctly with the right wire ( account ) information. It has been received by XXXX as XXXX XXXX did an investigation. XXXX XXXX is not cooperating in searching for it. I have called daily and been told I can not speak to the department that handles the wires but that they will reach out. Of course no one has called or emailed me back. I am lost at what to do next. In the meantime I'm accumulating high interest and late fees. I don't have the means to pay this loan off again.
Product: Money transfer, virtual currency, or money service

I was offered an online job from XXXX. The " HR '' manager contacted me and informed me that a check was going to be issued to me from XXXX XXXX in the amount of {$1700.00} and for me to send the money via XXXX  to " vendors '' for office equipment and that I was to keep {$200.00} for a hire on bonus. Once I deposited the check, Chase bank told me it was good. I dispersed the funds to the people I was told to send the money to and a day later, the bank took the money back stating that the check had been altered. this all occurred on XXXX and XXXX. I have contacted Chase bank and they said there was nothing they could do since I used XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

XXXX has failed to process the amount written off between them and my health insurance company so trying to collect the amount.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a consumer and I have not received a official response regarding remedy for the matter. I have sent 3 letters to these companies as well. 

The effective date of expiration for the consumers right to rescind the consumer credit transaction thereby midnight on XX/XX/2020. Pursuant to the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635 ( a ), the consumer, XXXX XXXX, hereby rescind the consumer credit transaction that took place XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, MISSOURI and ALLY FINANCIAL INC due to violations including but not limited to, the unlawful failure to give full disclosure required under TILA, FDCPA, as well as violating Regulation Z, 12 C.F.R. 226.5 ( b ), 226.15 ( b ). It is a fact that XXXX XXXX did not participate in a loan. XXXX XXXX participated in a consumer credit transaction thereof, the adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 15 USC 1602 ( I ). XXXX XXXX XXXX XXXX of XXXX MO, ALLY FINANCIAL INC., and Affiliates committed fraudulent crimes pursuant to TILA, FCRA, AND FDCPA.
Product: Credit reporting or other personal consumer reports

VOLKSWAGEN CREDIT I AM A VICTIM OF IDENTITY THEFT. 
I NOTICED ON MY REPORT THAT AN UNATHORIZE ACCOUNT WAS LISTED WITHOUT MY ATHORIZATION. I REQUESTED PROOF AND NO PROOF HAS BEEN SENT. CHARGE WAS OPEN XXXX XXXX XXXX { VW CREDIT INC } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { VW CREDIT INC } { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { VW CREDIT INC } { ACCOUNT IS NOT LISTED ON MY REPORT. 
In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611. Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation. Thank you.
Product: Credit card or prepaid card

The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX  bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting

I previously disputed an item appearing on my credit report as identity theft. Experian has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. I have also attached an identity theft affidavit. 

The disputed account is : XXXX XXXX - Acct # XXXX .... 

I have sent a previous complaint to you from CFPB, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item properly. My previous letter -- from CFPB -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TX for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY ACCOUNT. Never I knew i had an affirm account under my name and worst that is been on collections. This is identity fraud someone opened an affirm account and now has been on my credit as adeliquent account and Payment history as unpaid
Product: Debt collection

Midland Credit Management company has purposely and falsely placed this negative account on my credit reports and the company address listed on my credit report for this company is in XXXX, MI, however, every time I have contacted the number listed, I reach employees in XXXX, who are very rude, smart mouth, argumentative, confrontational, combative, and accusatory. And when you ask them for their name they provide you with an American name, yet the speak with a very heavy XXXX accent, and can not fluently speak or comprehend XXXX. I was informed this account was opened in XXXX  and I live in XXXX. For months I have requested a copy of the credit card application bearing my signature, yet they never provide it. The last telephone contact I have had with this company was today, Friday, XX/XX/XXXX and I spoke to two employees, both from XXXX both provided American names, XXXX XXXX and XXXX XXXX they both were very rude and unprofessional. XXXX refused to escalate my call to a Supervisor and said starting today they have up until 90 days to investigate the matter. I have been fighting this send XX/XX/XXXX. I disputed with all three credit bureaus in XXXX and they have done nothing about it. It is the ONLY negative item on my credit profile and it is has held me up for from making major purchases, which I have needed to make utilizing my credit.
Product: Credit reporting or other personal consumer reports

I mailed a request to the bureau asking for verification of debt that was received XX/XX/XXXX, my consumer report was updated as " meets FCRA requirements '' I mailed a XXXX request to the bureau asking for the method of verification of the accounts that were left on my report that 'met FCRA requirements ', it was received on XX/XX/XXXX, no proof of verification was sent I sent off a debt validation letter to each collection agency company on my report, it was received XX/XX/XXXX, no collection agency was able to validate the debt I sent a XXXX request to each collection agency to validate the alleged debt, it was received XX/XX/XXXX, debt still has not been validated I sent off a XXXX request to the bureau asking for all fraudulent accounts to be deleted since they failed to reinvestigate and the accounts could not be verified or validated by either party, it was received XX/XX/XXXX, still no proof has been provided
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am trying to redirect my excess payment towards the second credit balance on my TD credit card ending in XXXX, but to do so i have to call since automated system and online system will not redirect excess payment to customer requested balance but always applies it to an older balance. It is on their website, to call and instruct the 'human agents ' to apply the excess payment to the deferred interest balance of customer 's choice. 

But XXXX does not provide human assistance even after being on hold for nearly an hour every day. They wall off customers with an automated service that is useless for the purposes mentioned. And when a human agent is requested the customer is put on hold forever due unspecified external reasons. Making the customer unable to pay off the loan to the deferred interest balance first and forcing the customer to pay the interest. 

Have never seen a more incompetent customer service and bank than XXXX XXXX 

The phone humbers they give me on the statement is XXXX And the customer agents who claim to be just handling online services transfer me to another department phone which is XXXX where i wait for hours everyday just to get some human to redirect and apply my payments. SO far i am unable redirect my excess payment to the balance of my choice.
Product: Checking or savings account

Me and my mother had a joint account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX  XXXX and yet XXXX XXXX was taking out our account after she XXXX they said I couldnt do anything about it Ive been in and out the hospital the account is closed now but theyve charged the amount several times at least {$500.00} more my mother name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX is reporting information on my consumer report ( Equifax ) with out my consent. Pursuant to 15 U.S.C 6802 states that a financial institution may not directly or though any affiliate disclose to a nonaffiliate third party any personal information. XXXX XXXX is in violation of this code. I demand this item be deleted immediately or I will file a lawsuit for deformation of character and willful noncompliance.