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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

KOHLS/CAPITAL ONE failed to give me proper validation of this debt. 

I mailed KOHLS/CAPITAL ONE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I don't have any dates since this issue has been ongoing since 6+ years. I have made several purchase transactions where money was sent, but seller never received the payment. Therefore I was forced to resend the payment in order to receive my product which led me to have multiple losses of money. I also run a small business and this issue happened to many of my clients. Some Ive had to refund due to missing disclosures while using zelle, having them think that if their payment was sent to the incorrect person, the bank would refund for the mistake. Since that was very misleading, the business in this case myself, was forced to handle the refund.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I opened a furniture loan with ACIMA. I explained to them I had gotten XXXX  shortly after and then both my children causing me to lose work. On XX/XX/XXXX I called ACIMA to make the final payment and close the account. I was told by the agent who helped me once the payment clears the account would be removed from my credit file. ( Payment confirmation number XXXX ) Ive even attempted to dispute it as creditor agreed to delete unpon payment and have had no luck. As as of today XX/XX/XXXX its still showing on my report.
Product: Checking or savings account

Hi my account was closed by PNC Bank on XX/XX/XXXX with my outstanding balance of {$54000.00} I received my bank statements saying this money has been sent on XX/XX/XXXX to a domestic assisted outgoing wire out of my account to a personal PNC Bank account and nothing sent to me I have contact PNC Bank about my funds the claim it was refunded but on the bank statements it says its been domestic wired to a PNC bank account my attorney contact the branch the said the money is with PNC department and we have to use legal means to collect it but when I reported PNC Bank to XXXX  i received a call from their relative manager saying my funds have been refunded and no funds in the account to be sent to me and when I ask about why the bank statement shows it was wire to a personal account not refunded she said thats all the information she can give and will close the investigation and I wont received this money regardless of what is in my bank statement and what the branch manager told my Attorney PNC is holding the funds. This PNC worker told me I wont receive this money and has nothing more to say about this I should forget about the funds sent to a personal PNC account. I called the customer service and the said the cant find my account apparently someone in PNC is trying to delete the account and the funds so the are untraceable because I threaten to sue them and the want to cover their tracks by deleting the account the customer service said the account number I gave doesnt exist and I was transferred to collection and the collection said the same thing I have been going on with this for months And PNC bank dont want to released my funds claiming it was refunded but on my bank statements its been domestic wire to a personal PNC Account and I was told my one relation manager I wont received my money no matter what I try to do all this is trying to victimize me but Im ready to present every information needed and make others not suffer this from banks I know banks have no rights to keep your money when an account is closed my attorney has been trying to get to em but the dont wan na talk to him because the want to claim the money and said we cant do nothing to have this funds returned to us
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX usaa closed my account locked me out so I could not withdrawals any of my funds.. they informed me based on the depository agreement they have up to XXXX days to send my money. I have called at least XXXX times and get a different answer every time it now has been XXXX days and they still havent closed my account and sent my funds to me. They never gave me a reason why they said they can close it anytime. Worst customer service nobody is helping me I havent been able to pay my XXXX bills my sons XXXX and late on all my accounts because they blocked my money {$1400.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Credit reporting or other personal consumer reports

There are items that has resulted from fraud to which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due in inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a coworker known as XXXX XXXX XXXX stole my social security card after lending my to him to go to work that day. XXXX took advantage of me cause my wallet was left in my car and used my identity to obtain a college Avenue student in the of almost {$4000.00} I later confronted him to return my ids because I was I going to report him to the police I had no idea that he used my identity to obtain a student fraudulently until I started receiving bills from college Avenue student loans that I owe them that money. He later on admitted to lying to me that he took my identifications without my knowledge but did not mention using them to obtain a student loan.
Product: Checking or savings account

Fraud was dine on my account by wells fargo representatives they did not close my account when i requested. The witheld money from me and closed my new account 3rd account with wells fargo i ever opened. I did not receive funds of {$1700.00} from previous account and {$410.00} from last account.my oersonal checks were stolen and i asked yo close the account and i was denied and robbed for {$1800.00} through wells fargo checks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account status which is currently confirmed on my own credit report is having a drastically adverse effect on my opportunity to acquire approval for a new loan, be sure to generate evidence that this is being noted efficiently as per the Fair Credit Reporting Act rules ; this is truly a crucial point to misreport. My proper demand requires reviewing directly and proving to be precise. 

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

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}
Product: Credit reporting

I have in my report and address that have no relation with me ' '' ' XXXX I have never live there,,, still get call and people that apply using my information on that state
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the XXXX. 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 that customer nonpublic personal information. '' Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by XXXX agencies. 
XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Checking or savings account

Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued. 

The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period. 

I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago. 

I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive. 

This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity. 

I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and FNB Omaha. The Account Opened is FNB Omaha Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

Someone opened a capital one XXXXXXXX XXXX  XXXX using my information without my knowledge. The person set this up on XX/XX/year> and I received an email on XX/XX/year> that my new card was on the way. I called capital one to open an investigation on XX/XX/year>. They have cancelled the account and card.
Product: Debt collection

Car mart repoed my car although I was current on my payments. After they repoed my car and I called they said they made a mistake and parked my car outside the gate for me to come pick up when I was finished working sat evening. When I came to pick my car up I tried to start the car and the battery was completely dead this was the second time that happened. This was a brand new battery XXXX I had everything checked after the other new battery I put in was dead On Sunday morning. I contacted the company Monday they said they couldnt help me because I knew I bought a car at about here lot what else was I to expect. when I came back Monday they had jumped my car and took it to the far back behind the gate. I told them what they were doing is fraud. I jumped my car myself. They called the police I was arrested. While in jail they auctioned off my car although I was current on payments. They also mailed fraudulent letters to family and friends who were not on my reference list. They never mailed any documents to my house even though they took my car from my home and I had updated the address. Attached are the documents and video. On the letter you will see the date is for the XXXX, they mailed the letters out the same day of the arrest XX/XX/XXXX, you will also see I am current on my payments. Also my address was updated with them. They repoed from my current address however they have letters addressed to an old address. I tried attaching videos but it wouldnt upload.
Product: Checking or savings account

I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.
Product: Mortgage

I have been trying to close on a refinance with XXXX Mortgage since the end of XX/XX/XXXX. 

On XX/XX/XXXX, I received the first of many Loan Disclosures : Immediate Action Requested to expedite Home Loan Application emails causing me to believe XXXX was actually moving through with the loan. 

They have conditioned this to death and XXXX XXXX has been nothing but rude and downright XXXX without being XXXX- she has used microaggressions to the fullest extent and she definitely knows what she is doing when it comes to being just short of illegal. 

This ploy and tactic to condition my loan to the extent of the way that they have is to have me give up the loan as they know that this is illegal to state they do not want it. 

I can provide ALL OF THE DOCUMENTATION that I have been asked to provide and followed their instructions to the exact way they wanted it. 

They kept asking me for letters and credit explanations to no end. 

I would like a full on investigation and reprimand of this whole team that " worked '' on my file and I would like to file a discriminatory complaint as well. 

I am trying to upload all of the documentation that they asked for, but even the file exceeds XXXX I will provide that upon request. 

These individuals include XXXX XXXX, the Account Executive ; XXXX XXXX the Underwriter ; XXXX XXXX ; XXXX XXXX.