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

Capital One as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1700.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Product: Debt collection

I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute for Removal of Unauthorized and Inaccurate Inquiries Under FCRA Dear TransUnion XXXX This letter serves as a formal dispute regarding unauthorized and inaccurate inquiries listed on my credit report. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which states that a credit reporting agency may only furnish a consumer report if there is a permissible purpose. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. These inquiries fail to meet this standard. 
Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Violations of FCRA : 1. 15 U.S.C. 1681b : Unauthorized inquiries lack permissible purpose. These inquiries were not authorized by me, nor were they related to any legitimate credit transactions initiated by me.

2. 15 U.S.C. 1681e ( b ) : Failure to ensure reasonable procedures for accuracy.

Action Requested : 1. Immediate Removal : Delete all unauthorized and inaccurate inquiries from my credit report.

2. Notification of Changes : Provide written confirmation of the removal of these inquiries.

Failure to address this matter promptly will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA.

Thank you for your prompt attention to this matter. I expect resolution within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was refunded from XXXXXXXX XXXX  {$1100.00} for canceling a procedure with them. They refunded me on XX/XX/XXXX and provided a receipt. My account was closed months prior so I was unable to receive it. XXXX XXXX claims the funds have not been returned to them. 

I have called CitiBank multiple times to receive my payment. On XXXXXXXX XXXX They have lied and told me a check was on the way to me. I called back and discovered that wasnt true. They then told me the funds were in the bank ledger and I would have to visit a branch. There are no branches in the state of Texas. I then called back to see if I could get a check written to me. They gave me the run around stating my account was closed, then they said that payment was XXXX to me. They hung up on my face. I got in contact with one last person who stated a check would be mailed out.

I do not believe anything they say. They are very incompetent and do not know what they are doing. Multiple supervisors are telling me different thing. If this was a small amount I would have let this go. This is over {$1000.00} and they are keeping my money hostage from me.

They informed me at one point I would have to send a letter to POSSIBLY see if the check can be mailed to me. Why would I do that if I am getting the run around. Why go through months of mailing back and forth o only to possibly be wasting my time. 

I have the receipt of the transaction. They are refusing to track the payment using the XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit bureau numerous times regarding incorrect personal and past history information on my credit reports. There is a mixed file and someone elses information is displaying on my account. I have sent a physical letter to their agency stating this and have included copies of my drivers license, passport, and social security card. I have also submitted disputes online through their website and still the problem has not been fixed. They say that they need to investigate more and that I need to send them copies of documents that I have already sent them, but they do not solve the issue.
Product: Checking or savings account

Navy Federal closed out my account due to fraud. I agree there was fraud but it could not have been done by me. I have explained the situation several times. I was told to make an appeal to reopen my navy federal account. I was incarcerated shortly after being release from the NAVY. My XXXX caused me to make poor choices so I was unable to resolve my issue with NAvy Federal due to me XXXX XXXX. I was released in XXXX  and I sent in documents showing my incarceration and the bank still holds it against me. This bank should have XXXX liability when it comes to fraud. I am a victim of identity fraud, which I also provided documentation providing my claim. The IRS received my claims and put a code on my account. Everyone but Navy Federal has yet to correct these negative streaks on my name.
Product: Checking or savings account

My checking and savings account was previously closed due to fraudulent check activity that was included in an identity theft I filed with the FTC and ic3.gov. I asked to have my accounts back and USAA refused and I think that is unfair because it wasnt my actions that got the accounts closed it was that of a XXXXXXXX XXXX XXXX  that took over most of my credit cards and checking accounts resulting in their closure for unauthorized transactions or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to have an account with XXXX verified ( {$4600.00} ) as I could not contact the creditor to verify the loan amount reported. I found out recently this company/creditor does not exist and the account is still not verified or updated with accurate information by the credit bureau . Other credit bureaus have removed this information due to inability to verify accurate information.
Product: Debt collection

In XX/XX/2020 I ordered XXXX XXXX XXXX for my home in XXXX XXXX, IN. The initial service installer was professional and did a good job. Over the next few months, I enjoyed good TV service. 
Then the weather changed and that is when I started to have several service interruptions every week. This was very disruptive and was not what I ordered or expected. 
I contacted the customer service department and discussed the issue. They then sent out a second service installer to relocate the XXXX antenna to another location on my property. 
This did not fix the problem, and I called again to cancel my XXXX service. I told their representative that I would wrap up their equipment and leave it on my front poach. 
Several days later I noticed that the XXXX antenna and the equipment package was gone, and I did not think anything else was needed. I paid for each month I received service. 
Last month I ordered a credit report from XXXX, only to find out that my XXXX score had dropped XXXX points to XXXX due to an erroneous collection account by XXXX and Allied Interstate Collections. I deny this collection effort due to the breach of service that I originally thought I was going to get. When I contacted Allied, they said I was being charged for not returning the XXXX equipment and also for an early cancelation fee. I never agreed to pay a cancellation fee for their inadequate service. 
My Attorney told me that I had received a significant harm to my good credit and that I needed to file a dispute.
Product: Credit reporting or other personal consumer reports

This financial institution, LENDBUZZ LLC is in clear violation of the following sections of the law ; ( 15USC1642 ) ( 15USC1681m ), ( 12CFR1002 ) and are subject to criminal liability for violating ( 15USC1691 ). On ( XX/XX/XXXX ), LENDBUZZ LLC pulled a copy of my XXXX consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( XX/XX/XXXX ), Lend Buzz LLC sent me a notice that I was denied credit for a XXXX XXXX XXXX application from dealership XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have proof that I was discriminated against by LendBuzz LLC due to the response I received from you on ( XX/XX/XXXX ). My social security number ( credit card ) was used by Lend Buzz LLC to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ; Lend Buzz LLC ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied an extension my own credit. If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next 15 days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Checking or savings account

Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do? 

2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I have been Scammed into transferring {$3500.00} by XXXX to a potential scammer, who posed to be a recruiting agent at a Company located in New York. 

On XX/XX/XXXX, I received an email from XXXX offering me a role of a XXXX XXXXXXXX XXXX at XXXX XXXX. They sent me an offer letter in which they mentioned they were sending me a check for {$4.00}, XXXX to buy equipment from their accredited vendor and instructed me to make a mobile deposit to my bank account, so I did. Next morning XXXX XXXX ( as he introduced himself ), told me the equipment was shipped to my home address and that I had to transfer {$3500.00} via XXXX { " Here is the vendors manager XXXX XXXX : XXXX XXXX XXXX Kindly go ahead and {$3500.00} to the XXXX and get back to me with the receipt. 
So, I will be able to forward the receipt to the vendors manager for confirmation Kindly go ahead and do that and get back to me with the receipt Got it? '' } in advance to make sure the equipment was sent and they asked for the transfer confirmation. When I checked my bank balance that morning the funds were made immediately available to my account from the deposit I made earlier, so I transferred the money without realizing it was fraud. Not, only that, XXXX requested that " Here is the XXXX information : XXXX XXXX XXXX XXXX XXXXXXXX him the balance amount of the check to another person which thankfully failed. 
I was then given an option to wire transfer money to : " Send it to this same account : XXXX bank Account Type : Checking account Account number .. XXXX Routing number .... XXXX Account Name... XXXX XXXX XXXX : XXXX old XXXX XXXX, XXXX GA XXXX " After which I asked him to join in on a virtual conversation, which they denied immediately. That's when I understood I was scammed. The check turned out to be fraud and my account was charged back. 

PLEASE NOTE THAT I HAVE MADE SEVERAL ATTEMPTS ON EXPLAINING THIS MATTER TO SEVERAL BOFA AGENTS, I REPEATEDLY XXXX I HAD COMPLAINED THE POLICE AND FBI, HOWEVER THEY NEVER ASKED FOR THE COMPLAINT NUMBERS. SO I HAVE ATTACHED THE COMPLAINT DETAILS AS CAN BE FOUND BELOW. 

ALSO ATTACHING THE XXXX CHAT CONVERSATIONS I HAD WITH THE SCAMMER - ALL TRANSFER CONFIRMATION SENT TO HIM. 

* THE ATTACHED LINK IS THE XXXX XXXX LINK WITH THE IMAGES COMMUNICATED AND HANGOUT CHAT HISTORY IN XXXX FORMAT https : XXXX? XXXX I have been going back and forth with Bank Of America, they just said they can't help recover the money I lost. I am extremely disappointed. 
Attached are the letters sent by Bank Of America as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Community bank/Express keeps reporting an address that is not mine. When I called to correct this with them they stated they cant find an account for me to update an address.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

reporting two dda closures, i did not open.
Product: Debt collection

PNC Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.
Product: Credit card or prepaid card

Purchased a vanilla visa gift card for {$200.00} Gave to son as a gift he lives in XXXX XXXX When he tried to use the card it had no money on it. Shows it was used at a XXXX XXXX store in XXXX XXXX the next day after it was purchased. Contacted Incomm Financial and they said they would do an investigation. 2-3 months later they came back and said the same thing I already knew. They advised me no refund as the card was used in person which is not a possibility cause I purchased the card and mailed the next day to XXXX XXXX. They either duplicated the card or there is one really good scam going on. My son mailed it back to me and I have had the card in my possession I now see online that this has happened several times to people that have tried to use the card The card was purchased on XX/XX/22 in XXXX XXXX XXXX mailed to XXXX XXXX on XX/XX/22. Used at XXXX XXXX on XX/XX/22 in XXXX XXXX