23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

They still have old information XXXX on my credit. I no longer have a file with them so it is wrong they have it on my credit. Not only they have fraudulent collection on my credit for a credit card I never used with XXXX XXXX XXXX. They refuse to deal with that fraudulent information as well that XXXX is not my charge and if they would do their investigation and call bank XXXX they would see it 's a fraud case and XXXX XXXX XXXX was sending my statements to somewhere in fl and I live in ny. I posted valid information below.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 my business accepted a payment in the amount of {$440.00} for work we did. 
We payXXXX XXXXXXXX XXXX accepted payment through the app. 
Days went by the money never deposited into our account. We started to investigate, we reached out to chase customer service and they told us that we have to email we payXXXX XXXX because it was there problem but we could only talk to them through email. We reached out countless of times but kept getting the run around. We sent all our documents that they asked us for. This is a new business. They wont give us a reason why they closed the account or why they are holding our funds. They want us to wait 120 days before we can follow up with then In hopes they send us our money.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX telling me there was legal action taken against me & to call ( XXXX ) XXXX. I called & spoke to a man named XXXX. He told me there was a XXXX against my property for an account with Providian from XXXX to XXXX in the amount of {$4300.00}. He asked me to settle the debt. I asked him to validate the account with paperwork & he said I will receive the validation when I get summoned to court in XXXX XXXX Alabama ( I didnt live in Alabama XXXX XXXX ). He proceeded to get loud & rude refusing to verify the account. 
I called back to request the address so I could send a letter of validation. The man who answered the phone said he just started yesterday & didnt know & would transfer me. Another man answered saying he was the supervisor in the legal audit department ( it was XXXX again ). I asked for the address so I could send a letter of validation request & he said he is not required to give me an address. I asked for a supervisor phone number & he said I am the supervisor & he does not have to give me an address. He then went on to tell me I can validate the debt when I go to court or I could have my attorney call tomorrow. I told him he was required to give me an address & he refused. He said I would be served in a few days. 
I filled for bankruptcy in XXXX. I had no income & it was a XXXX  XXXX. I had XXXX credit in XXXX.
Product: Money transfer, virtual currency, or money service

My funds have been frozen for over a month and support is not helping.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding incorrect personal information associated with my records. Upon reviewing my recent credit report, I noticed that there are errors concerning my name and address. Specifically, the incorrect details are as follows : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

Between XX/XX/year> and XX/XX/year>, {$250.00} in overdraft fees has been taken out of my already negative account by Regions rather than return payments that they made on my behalf for bills that caused me to go into the negative ( had a death occur on XX/XX/year> where I had to pay a large sum to get them XXXX so it was the last thing on my mind to cancel my upcoming automatic payments to come out of my account ). 

Additionally, I had an open case with Regions regarding a business not refunding me nor responding to requests for said refund ( granted it was only for {$70.00} but it could have covered some of the negative items appearing on my account ). I also had a credit of {$120.00} for plans I had this Saturday that I canceled due to the above death. So I should have had {$190.00} to cover some of my negative items.
Product: Credit card or prepaid card

A Bank of America credit card was opened and used by someone using my personal information to open the credit card account. 
I discovered this when i received notification from XXXX XXXX consumer alerts about a new account opened under my personal information. I attempted to contract Bank of America right away after discovering this fraudulent account and i received no remedies or fraud assistance from Bank of America or their Customer Service team other than attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. XXXX has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follows - BK OF AMER XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}
Product: Debt collection

I'm getting continuous calls at least 5 times a day or more from Tower loan, they are harrasing me and my grandmother with the constant calls. They call from strange numbers everyday trying to reach me and one of the  worker 's also came to my home and left a note on my door i am being harrased for a loan im struggling to pay back.
Product: Debt collection

Urgent Request for Removal Please take swift action to eliminate the fraudulent inquiries from my credit report, as they were not approved by me and are causing me distress.
Product: Checking or savings account

On Sunday XX/XX/10 I tried to watch a movie on XXXX XXXX XXXX. A page loaded on my TV with a code to enter and a Q code on the other half of the page it said For Support Call XXXX. I called this number. It was answered by a man sayin XXXX XXXX XXXX. He then told me my account was in review because of suspicious activity in TX and OH. He then had me open the app XXXX XXXX which allowed him to see into my XXXX. I was on my XXXX the entire time of the call. He had me install : XXXX, XXXX, XXXX. I already had XXXX. He instructed me to send money to various fictitious people. When I questioned him he said the money would be right back into my account. Most of the time these transactions were denied. Some did go through. XXXX has re=credited me the {$400.00} that was taken out. My credit card also re-credited the money. 

I called my bank USAA as soon as I realized it was a scam. USAA closed my checking account and my two savings accounts. They are frozen and I have no money. USAA said they would not mail me a check for the amount in my accounts when the fraud investigation was complete. They said that could take up to XXXX days. I told USAA that I understood keeping the money in the checking account, but did not understand why they couldn't send me the money in my XXXX savings accounts which is about {$15000.00}. 

USAA has refused to do this. I called the office of the CEO and my case number is XXXX. I do not feel that USAA has the right to hold the money in the savings accounts. I have looked at the agreement that I signed when opening the account and there is nothing in there that says anything about holding my money for up to XXXX days
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 # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX XXXX. Acct # XXXX, has violated my rights. 
I looked at my Experian credit report on XXXX and noticed some things are incomplete and not accurate. 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 general 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.

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.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states XXXX XXXX Equifax, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry made by Capital One on XX/XX/18. Spoke to XXXX agent ID # XXXX XXXX.
Product: Checking or savings account

I opened an account at XXXX. I dont know why but one day during XX/XX/XXXX, they suspended my account. There were {$200.00} in that account. In XX/XX/XXXX, I contacted the customer service they said they will sent me a check in 30 days. I didnt receive anything until XX/XX/XXXX and then I called again. I sent all my documents to them, they said they will open my account in 48 hours. They didnt open it. After that I called again, they said I need to send email to XXXX, I did no one response. I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is FRAUDULANTLY REPORTING a delinquent account that they have full knowledge was fraudulantly created by their own sales representative seeking a commission. 

Some 2 years ago, a XXXX installer knocked on my door to install XXXX cable service that XXXX ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. 

This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX XXXX. 

The installer determined that some XXXX SALES REP created the fake account to earn a commission. The XXXX installer told me I needed to call XXXX to correct, which I did on at least 5 occasions. Rather than following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). 

XXXX and their collection agenecies have been notified of the FRAUD ad nauseum, but continue to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). They are a company that is too big to care, and instead WRONGFULLY AND FRAUDULANTLY made the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances. 

This is wrongful, intentional and deserving of punitive damages - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. 

XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES, which I hereby request access to under the Freedom of Information Act.
Product: Student loan

My loan was transferred to Nelnet recently so along with the atrocious onboarding or transfer... meaning I couldn't get any info of when or how. My loan finally transferred and missed my first payment because I coudl n't get a hold of someone. I'm now in my second month of repayment and need a few easy things updated... .my address and payment date and have now called a total of five times to do this simple task. I can't talk to anyone about my loan because they don't have enough agents to handle the influx of calls they are receiving during this transfer period. I cant wait on hold for 45 minutes to possibly talk to someone.
Product: Checking or savings account

On Friday, XX/XX/year> my fianc and myself went into Chase Bank to cash our paychecks. Since I had an account my transaction wasnt an issue, however my fianc did not so they told him they couldnt do anything unless he wanted to sign over his check to me. His check was in the around the amount of $ XXXX and some odd cents. He signed over the check to me and we were told that the check would be put on hold for 7-10 business days. We said that was fine. The next week, on Friday, XX/XX/year> I received an email and a text telling me that my accounts were going to be closed. We immediately called and were told since they couldnt verify his phone number they were closing my account. We asked what number they called and they gave us a number he didnt recognize, we gave them his current one and they said it doesnt show that it is linked to him and they can not do anything. We went in to the local Chase Bank and were told the same thing. The amount I put in on XX/XX/year> was mailed to me but his check is still being held until they can verify his phone number. We told them this was ridiculous as he had his government ID and social security card with him to verify who he is and that phone numbers arent a good idea at to tell who someone is. It has been almost two months now, we call every week and they tell us the same thing. We even called our phone company to verify his account was in his name, Chase Bank is still not sending us his money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX POSTAL SERVICE The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX
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 u.s.c. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

XXXX suddenly transferred or sold my debt owed to them to an unknown third party. That third party contacted me to attempt to collect payment on the account, for which I was behind payment on. They asked for a promise to pay, and I told them I would be making a full payment including past balance on XX/XX/2023. They said they would make a note to file. I asked if they were going to close the account before then. They said they could not provide that information. This week, they apparently closed the account. I called them on XX/XX/XXXX, the moment I found out, and their phone system said that they were having technical difficulties and hung up. I believe XXXX misled consumers and sold accounts to a malicious third party in order to avoid bankruptcy.
Product: Credit reporting or other personal consumer reports

I Have Hard Inquiries On My Credit Report That I Didnt Authorize
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;