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

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 
PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE REMOVEFROM REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I employed the services of XXXX XXXX XXXX  in XXXX  XXXX to perform mechanical work on my sisters truck at my home before I drove it back to New York State on XX/XX/XXXX. On XX/XX/XXXX XXXX concluded his work which I have texts of and I gave him my debit card in person so that he could charge me the agreed price of {$680.00} for the services rendered. I have not seen nor employed XXXX XXXX XXXX since then. However while in New York on XX/XX/XXXX after checking my Bank of America Checking account I saw that XXXX XXXX XXXX had besides the lawful and approved charge of {$680.00} on XX/XX/XXXX had made the following unapproved and fraudulent charges. a second charge of {$680.00} on XX/XX/XXXX, {$680.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX. I immediately called Bank of America to report the fraudulent claims they did not cancel my card and told me to reach out to XXXX XXXX XXXX since the payments were processing and there was nothing they could do while processing. I reached out to XXXX via text ( which I have saved ) telling him of the problem since I was also charged an additional {$680.00} that was processed on XX/XX/XXXX. He responded saying he was on the phone with his bank and would clear the problem up shortly. I continued to check in with XXXX. On XX/XX/XXXX he said it was being refunded. However i was then charged two more times. these charges for {$870.00} and {$870.00} were processed on XX/XX/XXXX. It was at this point I called Bank of America and insisted on a fraudulent charges Claims. XXXX never responded to any more of my texts or phone calls since then. 
I have had Bank of America deny my fraudulent claims 3 times at this point. they withdrew the temporary reversals given to me and left my account in a negative balance for almost three months now. I have sent them images of all of my text conversations with XXXX handy services and they are unwilling to reverse the charges which are clearly fraudulent and have forced me to move out of my apartment and fall behind on multiple payments with my truck now out for collection since they will not press XXXX XXXX XXXX ( who i can not reach anymore ) for the illegal charges. I have been dealing with this since XX/XX/XXXX and it is now almost XXXX of XXXX I have also been unable to receive my stimulus pay as its been deposited into my negative balance Bank of America Account. XXXX XXXX XXXX  charged me a total of {$4600.00} of which {$3900.00} was fraudulent and unapproved. If this is not resolved shortly I will have no other option then to proceed with suit with Bank of America.
Product: Checking or savings account

I deposited a chase check for {$5000.00} from my father into my chase savings account. It said it would take one additional day to process because XXXX XX/XX/2022 was a holiday. On the XXXX of XX/XX/2022 there was a hold placed on it. They said he needed to confirm his identity via phone. He did this 5 times. I went to a branch and they tried to sort it out, saying that the hold on the check and restriction on my account would be lifted within XXXX minutes. XXXX hours later it was not. I went back and they aaid I was in queue to get the restriction lifted. I called and they then said my father needdd to go in oerson to verify his idenity. They XXXX  said this to me. On XXXX XXXX the funds were released and I initiated a transfer to take them out, which they said would be deposited XXXX XXXX XXXX they canceled it without notice. I went back to the branch and they said my father still needed to go in. He did. There is still a restriction on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. BANK XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

XXXX XXXX, XX/XX/2022.
Product: Mortgage

My manufactured home mortgage payments are being allocated 66 % interest and 34 % principal. On my statement ( see attached ) it says interest rate 10.75 % actuarial. I sent an email to DITECH customer service on X/XX/17 and have not received a response.I am trying to get an explanation from DITECH why I am paying an interest rate of 66 % per month while on my statement it says 10.75 %.
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, 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: Debt collection

A request for validation was sent to this creditor on  XXXX / XXXX / 2017  via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove inquiries i did not do or authorize in my name and have collections removed that are negatively effecting my credit but paid off and closed. I have been disputing to all three credit companies since XXXX and keep getting the same result and nothing fixed
Product: Checking or savings account

American Express Bluebird opened a checking account ( # XXXX ) on or about XXXX or XXXX. For over XXXX years I have tried to communicate with worthless XXXX XXXX XXXX XXXX XXXX this account. There is no online method to do so. There phone rings in XXXX where they cant and/or refuse to close the account. 

There is no mailing address on the website of XXXX or in their Terms of Service or member agreement as required by banking laws. 

Because the bank is violating banking regs, by refusing to close this account, I am subjected to fees, an unauthorized annual hard pull of my credit file, and constant harassing emails. 

I lost the debit card over 8 years ago and I cant reset the password, update mailing address, or otherwise send any written communications to them. There is a balance of XXXX cents in the account, which they can keep, if they close the account. 

My address has changed over the course of so many years and my current address is shown below, with further identifying information. 

Take due regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SS # : XXXX
Product: Credit card or prepaid card

On or about XX/XX/2018, Capital One Credit card company post on my account a purchase which I never purchase with the mount of {$22.00} from the company XXXX.

On XX/XX/2018, I called to report fraud to the Capital One Credit Card company ( I also report online on my Capital One credit card account ) and let them know that I didn't purchase that amount of {$22.00} with XXXX  and asked Capital One Credit card to remove the fraud mount of {$22.00}. The Capital One credit card company told me that Capital One credit card will not removed that amount and I have to pay that amount even I never purchase.

Capital One credit card lock my card and refuse to send me a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX0- Company XXXX Alert Date XX/XX/2018 Source TRANSUNION Phone (  XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX Activity New Application About this Alert XXXX XXXX XXXX is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX Activity New Application About this Alert XXXX XXXX XXXX is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX XXXX XXXX XXXX
Product: Debt collection

Received alert from XXXX Credit monitoring about a new collection added to my report on XX/XX/2019.  Checked report, there was an entry for a collection with Capio Partners llc., for the amount of $XXXX.  I have not been contacted at any time from this company.  I have not received any written communication about this debt.  This debt is over 5  years old and is beyond South Carolina statutes of limitations.  This collection has bounced on and off of my credit reports 3 seperate times, under different company names found to be affilliated with Capio Partners llc.  The previous one, just earliar this year was from Assetcare llc., which I also never received any type of communication or written notice. This debt has been disputed several times, resulting in removal from credit report, just to pop up again later.  I believe the company to be using debt "parking" techniques in order to attempt to collect  this old debt, and to be monitoring my credit scores to try to attempt to collect over and over again.  I am in the process of rebuilding my credit, and my credit scores have increased significantly in the span of just the past 2 months, that is why I believe they are monitoring my scores in order to try to continue to collect on this repeated bought and sold debt, for this is the 2nd time this has occured.  The last time when it was reported under Assetcare llc.  was also at a time I had my credit scores increase in a short period of time.  Coincidence, I think not.  This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX what are these accounts. please help me this is ruining my life please.
Product: Credit reporting or other personal consumer reports

The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to try to cash a check for XXXX and my transaction wasn't authorized I received a letter saying that I have an outstanding Item which may have been reported to XXXX XXXX , XXXX but there's no information on what was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months now due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX, they have not validated nor provided me with any evidence from the original creditor that they own this account. On the Equifax credit report, I have sent over five certified letters ( attached with the account highlighed in yellow ) to Equifax regarding these inaccuracies and incompleteness but they continue to report these errors and absences. I have attached my most recent Equifax credit report ( XX/XX/2023, Confirmation # XXXX with exhibits XXXX XXXX {$610.00} and XXXX  XXXX {$610.00} ) as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Late Payment is missing, 2. ) the Date of Last Activity is missing, 4 ) the Charge Off Amount is missing 5. ) the Close Date is missing, and finally 6. ) while the account is said to be in collections, the Payment History indicates that the account is checkmarked Paid On Time every month it has been reported!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to EXPERIAN on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get XXXX XXXX XXXX to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report there are accounts being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave EXPERIAN any written consent to even report any accounts on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) EXPERIAN allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me XXXX  and is XXXX up.
Product: Credit reporting or other personal consumer reports

I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.
Product: Debt collection

The amount is XXXX of a collection that I do not have knowledge of or signed any contract with them or nothing. They have called me and send me letters that I owe that when I do not have any recognition of it.
Product: Prepaid card

Card ID # : XXXX Dear US Bank Customer Service Team, I am writing to formally request an immediate refund of {$1000.00}, which was withdrawn from my account via unauthorized ATM transactions. These transactions were conducted without my consent, as my debit card was stolen and not in my possession at the time they occurred. Under the protections of Federal Regulation E, I expect full reimbursement for these unauthorized transactions without further delay. 

I have provided substantial evidence demonstrating that I was not physically present during the transactions in question. Specifically, I supplied documentation of my check-in at the XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/year>, confirming that I was not in the vicinity to perform any ATM withdrawals. Despite these facts, I have yet to receive my refunded funds. 

Per the terms of Federal Regulation E, I am entitled to a prompt and full refund for unauthorized electronic transfers. I urge you to conduct a thorough review and expedite the refund of my {$1000.00}. Please be aware that if my request is not resolved swiftly, I am prepared to seek legal representation to recover my funds. 

To my knowledge, there is no documentation proving my involvement in these transactions, and my absence from the location at the time further supports my case. The proof provided was a list of food transactions and automated payments from XXXX. Nothing within this documentation holds me accountable for these charges and I am protected under federal law. 

Please consider this my final request before pursuing legal action.
Product: Vehicle loan or lease

Nissan Infiniti is reporting my returned lease as a Termination on my Credit report. The dealership Solicited early trade in and they would give me a outstanding deal on the new lease I transfered into. They are also reporting a monthly payment on my credit report that we didn't agree on. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXXXX/XX/2023 XXXX XXXX  XXXX Balance XXXX {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.