23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Monday XX/XX/year> US Bank has frozen my checking account without warning, or resolution. Multiple phone calls and a visit to my branch the next day and I still have no access to my money. This has caused transportation issues when I couldn't load money onto my bus card, and I've lost my job as a result. I don't know how I'm going to pay rent or feed myself because they are holding my money hostage " pending closure ''. I did NOT request account closure, and US Bank is refusing to issue me a check for the remaining balance at the branch. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I became aware of fraudulent accounts that were opened in my name back in XX/XX/2020. Immediately after discovering the fraud, I filed a dispute with TransUnion. I also reached out directly to the creditors that were reporting these fraudulent accounts. The creditors would not speak with me on the accounts as I could not verify all the information they had and redirected me to the credit bureaus. After approximately 30 days, TransUnion alleged that all creditors verified the accounts belonged to me. 

After consulting with a consumer attorney, I filed a police report along with an FTC report confirming I am in fact a victim of identity theft. I subsequently sent a request to TransUnion under section 605B for the FCRA requesting that the fraudulent accounts be blocked. This section reads, in part : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

I supplied everything that was required to TransUnion and sent it certified mail with tracking number XXXX. The tracking information confirms my items were delivered on XX/XX/2020. After receiving no response, I contacted them via telephone on XX/XX/2020. I was advised that they received my documents but decided to dispute the fraudulent accounts directly with the creditors again instead of blocking them. After reminding the representative that the FCRA mandates a response to my request, she advised they have the authority to determine if my requests mandates a response and then chastised me for not discovering the fraud sooner. I was left shocked and confused that a large corporation would have such blatant disregard for the intention of the legislators.
Product: Debt collection

On XX/XX/2018 I checked my credit reports and noticed an entry from CBE GROUP. I was never notified by the company and this is a violation of the FCRA. I also sent CBE GROUP a cease and desist letter and they are still reporting a collection on all three credit bureaus. Please see attached cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my XXXX XXXX file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/2020 I went to XXXX  XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get one in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.
Product: Checking or savings account

On XX/XX/2022, Citibank executed XXXX wire transfers out of my accounts totaling {$240000.00} without my authorization. XXXX of the transfers were from the checking account and XXXX from a savings account. 
I have made perhaps XXXX wire transfer in the last 35 years, and I never make any payments from savings accounts, only through the checking account. Before the wire transfers were made, the money was shuffled between our checking and savings accounts. Citibank negligently did not fully recognize these gross aberrations in these activities, as it sent me only XXXX email asking if I approved the wire transfers. I did not see this email before the bank quickly released the wire transfers. Notwithstanding the cumulative total of the wire transfers or that these wire transfers effectively emptied all my wife and my joint Citibank accounts, the bank executed the XXXX wire transfers without contacting me by phone or insuring that any response purportedly by me was authentic. I have filed a complaint with Citibank and also with the XXXX XXXX XXXXXXXX Police Department.
Product: Debt collection

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requiring that Equifax get physical verification ( i.e. Consumer Contract with my signature ) for these accounts XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX. If these companies can't provide physical verification that these accounts are mine, section 602 of the Fair Credit Reporting Act requires they be removed from my report. 
I am disputing these accounts because I am a victim of Identity Theft. The aforementioned accounts are fraudulent. The other credit reporting agencies have removed these accounts. Their Investigation has been over 30 days. Equifax has not gotten physical verification from these companies. They are accepting verfication without physical evidence. Simply stating based on the creditor 's word, the account is verified.
Product: Vehicle loan or lease

I paid off a {$17000.00} loan for a XXXX XXXX from XXXX XXXX over the course of 60 months. My final payment was XX/XX/2021, and I received a letter of satisfaction. Last month, I went into the same dealership and was not able to negotiate the terms of a trade in for a new vehicle because they insisted on charging an enormous market rate adjustment for the new vehicle. I secured a deal for sticker price ( in writing ) and approved financing from another dealership. When I attempted to get a clear title, the XXXX informed me XXXX XXXX never processed the appropriate paperwork, and I could not have clear title to the vehicle I had paid off almost XXXX years prior. I contacted Kia Finance America, and they said the same. I repeatedly attempted to contact XXXX XXXX during business hours. No message was returned. The issue is time sensitive because I negotiated an existing deal which I could not accept and financing ( as interest rates are rapidly increasing ). The end consequence of these events is clear, XXXX XXXX is price gouging while holding my rightful documents XXXX, making me unable to do business with any other entity but them. This clearly constitutes are crime of financial coercion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed some inaccuracies. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. This account is reporting reporting 120 days late with Experian and paid as agreed with XXXX XXXX XXXX  XXXX ) ( XXXX ) How can this information be different if all three companies are getting their information from the same source. Please investigate and update payments to paid on time and never late As they should be due to inaccuracies.
Product: Payday loan, title loan, or personal loan

I received an email from Mountain Summit Financial about me being preapproved for a loan so I contacted them about getting a loan but at first they were trying to charge me way too much interest in the loan but then they agreed to a better price and I was supposed to be paying them two payments of XXXX. The first payment was due on XX/XX/2017 and the second payment was due on X/XX/2017, but today I was going to tell them they can just take the XXXX that is due on X/XX/2017. But, due to my surprise when I typed in their website publications popped up from the Better business Bureau and other government sites saying that Mountain Summit is not licensed to conduct payday loans or collect on them and that they are currently being investigated by the BBB. The Washington State Department of Financial Institutions urges consumers who have gotten payday loans from Mountain Summit Financial to contact the Federal Trade Commission to report identity theft because of the nature of the personal information that has been collected by this unlicensed company. Because according to them that have not right to issue payday loans or collect on them. So today on X/XX/2017 I contacted Mountain Summit Financial to ask them about these allegations and their current investigation and to get clarity on their situation because I currently have a loan with them and I do not know if my information is safe or if this loan is legal. However, they would not answer any of my questions and so I informed them that I would be contacting the BBB and the FTC to figure this out. In the case that they are not properly licensed or certified to conduct this type of business I want my loan to be forgiven and I want insurance that they will not use my information in any type of way.
Product: Credit card

I have been attempting to pay my credit card bill online or through XXXX  app with Bank of America for over a month now. For some reason, they revoked my ability to do this and I called to see what the problem was. After being on hold multiple calls for hours, I got to someone who said they could " unfreeze '' my bill pay portal for me but that it may take a few days to show. That was last week. I still can not pay my bill and while I am current, I have a due date coming up and this needs to be resolved.
Product: Checking or savings account

I XXXX XXXX, on XX/XX/2022 attempted to deposit a check in my personal account from XXXX XXXX XXXX, the company in which I am employed by mistake. At that time I was accused of fraud and that check would be held unto further investigation. After further investigation I was proven to be be innocent of fraud and the check would be sent back to the sender. At this time, almost a year later I myself XXXX XXXX or the sender XXXX or XXXX XXXX has received the check or any funds. Capital One closed my account and will not give me anymore information on this matter.
Product: Credit reporting or other personal consumer reports

has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX BANK XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Balance : {$310.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00}
Product: Debt collection

Called Capital One on XXXX XX/XX/2018 to negotiate payment arrangements on a collection account showing up on my credit report. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX ( Supervisor ) and XXXX ( Supervisor ). I was told that the only payment option that would be accepted is a settlement amount paid in full and that payment arrangements could not be made. The account was in transition to be sold, but not sold yet. I am unable to make any payment arrangements with any collection agency because the account is still with Capital One. I spoke with several people. Finally, XXXX ( XXXX ) stated that he can only accept one payment for full/settled amount but could not accept payment arrangements. Payment arrangements would have to be made to the collection agency but the account was not sold to a collection agency yet. Capital one would not accept my offer of payment arrangements even though the account is still with their company.
Product: Credit reporting or other personal consumer reports

YOU ARE REPORTING INACCURATE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT. Delete the following inquiries asap. 


XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) inquiry XX/XX/XXXX Delete all these fraudulent inquiries asap. I never applied for these inquiries. I never authorize these inquiries to be on my credit report. Delete asap.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof that includes my signature or electronic signature.

This letter is being sent on my behalf, not through a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of fraudulent information, and Section 604 [ 15 U.S.C. 1681b ], which governs the permissible purposes of consumer reports. 

I have already contacted the involved companies and confirmed that these actions were taken without proper validation or original proof. Since I did not authorize these accounts and inquiries, they are inaccurate and result from a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that these unauthorized accounts and inquiries be promptly removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Opt-Out Rights under 15 USC 6802 and Request for Account Deletion Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account withXX/XX/XXXXpecifically concerning their violation of my rights under 15 USC 6802 and the improper handling of the account post-charge off. I formally requested to opt out of the sharing of my personal information with affiliates and non-affiliates ofXX/XX/XXXX, in accordance with 15 USC 6802 ( e ). Despite this opt-out request, XXXX XXXX response was they have a right to share my information which is a clear violation of my statutory rights per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. They are in violation of ( b ) ( 1 ) ( b & c ). Furthermore, I would like to address the current status of my account with XXXX XXXX XXXX. The account in question has been charged off, and to date, I have not received a Form 1099-C ( Cancellation of Debt ) for the forgiven amount. This failure to provide the necessary tax documentation has further complicated my financial obligations and legal responsibilities.
Product: Debt collection

The credit bureaus stated my account was properly investigation but how is that possibly if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}
Product: Checking or savings account

I just noticed that Overdraft protection feature on my Charles Schwab Checking account was enabled without my consent. After I talked to the bankers, I was informed that the feature was automatically enabled for all customers unless customers reached out to the bank to remove the feature. Most banks offer the option when customers sign up the account. In addition, customers can check that status on their online banking. However, with Schwab, customers are not offered the option when opening the account. And customers can't check and remove the feature online themselves. Schwab creates extra burdens and obstacles for customer to opt out overdraft feature, which potentially harm customers ' interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including TranUnion LLC. The comment is an error because XXXX XXXX XXXX ( XXXX ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as XXXX had not credited my account. XXXX received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. 
Since providing evidence of payments and disputing the derogatory comments on my credit report, XXXX has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, TransUnion, has declined to fix the problem because of incomplete information about the dispute provided by XXXX. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I