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

In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies 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 XXXX, XXXX, and XXXX XXXX are financial institutions by definition under that 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 XXXX, OppLoans/Finwise, and Net Credit XXXX and any financial institution and the Consumer reporting agencies XXXX, 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 XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX 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 XXXX, XXXX, and 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. '' These accounts are adverse items they are reporting 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. Equifax, Transunion, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My township has returned over-payment of property tax to NewRez LLC on XX/XX/2020, the check was cashed on XX/XX/2020. I called NewRez LLC numerous times. Nothing is updated. I have NOT received the refund either.
Product: Credit card

This is not a duplicate complaint. 

I called Chase on XX/XX/year>, on or around XXXX XXXX  PST. I spoke to a female XXXX in the XXXX Chase Credit Bureau XXXX. She engaged in call avoidance. She said I was rude when I said on the double, meaning please hurry. She indicated she would end the call. I was providing my SSN when she then willfully and deliberately terminated the call. I never used any profanity. Next, I called Chase on or around XXXX XXXX  PST and spoke to an XXXX XXXX who said she was in XXXX. She then willfully and deliberately disconnected the call on me. As usual, I never used any profanity. This is egregious. I cant believe Chase has a large number of agents that routinely engage in call avoidance. The good news is I have all my phone calls recorded as evidence. I seek to hold Chase accountable.
Product: Money transfer, virtual currency, or money service

Back in XXXX of XXXX  I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXX  Balance : {$0.00} ; DEPT OFEDXXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2019 I called XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) to inquire over {$15000.00} of missing funds and what " JV '' meant on my statements. They asked if anyone else was on my account, I replied no it is an individual account. They shared " JV '' means " joint venture '' and if a criminal has your account number and makes a deposit they now have access to your funds. Funds were all transferred to XXXX account or Peoples United Bank dormant account of which I never authorized or have done in my 59 years. No one has returned my calls from the fraud department. 

This information is the smoking gun of numerous previous complaints how funds were diverted from my individual XXXX XXXX  XXXX Credit Card account from XXXX XXXX XXXX to Peoples United Bank. Accessing the XXXX account allowed the criminal to move automatic payments to XXXX  ( XXXX ) XXXX XXXX from XXXX to dormant Peoples account by opening a fake XXXX XXXX web payment page. 

The criminal HOPE credit unions do NOT communicate with Federal Banks such as Peoples. They FOUND the gap of accountability. ALL are accountable to protect consumers. Cyber criminals are smarter than us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX   XXXX/XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Product: Credit reporting

XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates had marked my credit reports as failed to pay on two separate accounts. I had paid PRA for the XXXX XXXX account on XX/XX/2016 in the amount of {$600.00}. Yet they had marked my account as failed to pay in XX/XX/2016. Also they had marked another failed to pay on the other account. I had paid PRA on XX/XX/2016 in the amount of {$950.00} and they had marked that account as failed to pay in XX/XX/2016. That account was with XXXX. Both of these accounts are through XXXX XXXX and handled by Portfolio Recovery Associates. This information listing as failed to pay is Not accurate.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CONN CREDI XXXX Opened XX/XX/2015 Balance XXXX ; CONNS XXXX Opened XX/XX/2015 Balance {$2100.00} ;
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$1900.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I requested a balance transfer of {$14000.00} out one of my account to be transferred to a personal checking account with XXXX XXXX XXXX, after repeated calls to follow up on the status without any answers, I was informed today that the check was returned to Capital One and will take up to 2 billing cycles to be credited into my credit card account. XXXX XXXX informed me that it is very common for Capital One checks to be returned when transferring to a checking account, but can not explain why they must hold my money for up to more than 60 days before I can access it again. In the mean time, my credit score is taking a dent on the extra credit utilization and I 'll need to draw on my savings to make sure all expenditures and credit accounts are up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing XXXX XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my XXXX time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. XXXX processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was XXXX
Product: Credit card or prepaid card

I originally had a Sears card that I used to purchase a refrigerator in XX/XX/XXXX. In the summer of XX/XX/XXXX, I received a notice that my Sears account had been converted to a Shop Your Way card. I called Shop Your Way ( affiliated with CitiBank ) because I did not want the account and had not asked for it. I requested it be closed. I was sent to their retention department. The retention representative informed me I should not close the account because my purchase ( even though it was not on this card ) was covered by an extended warranty for 2 years from date of purchase. I agreed to retain the account. This month I began having trouble with the refrigerator. I called 5 different toll free numbers and was transferred each time to someone who could help me find out about my supposed " extended warranty ''. After an hour, I insisted the next representative answer my question. The representative informed me that I had no extended warranty. I asked for a supervisor. The supervisor was apologetic about the incident. I indicated that this appeared to be a deliberate act to deceive me so I would keep the card. She indicated that the representative was 'likely counseled '. I indicated that deceiving clients into keeping these cards with promises of benefits that are not there is an unacceptable practice. She agreed but gave no indication that any action was being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX and let them know they ran my Equifax credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below XX/XX/XXXX - XXXX - {$0.00} XX/XX/XXXX- XXXX XXXX {$3300.00} XXXX XXXX - XXXX - {$5300.00}XX/XX/XXXX XXXX - XXXX - {$5200.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.
Product: Checking or savings account

XX/XX/2022 I sent {$180.00} thru Zelle and I sent the wrong amount. ( Sent to a person named XXXX ) Is it possible that I can get my money back?
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by I am writing to dispute a fraudulent account that is being reported by LVNV FUNDING LLC for XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that LVNV FUNDING LLC for XXXX XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name isXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.