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

Received notice of suspected unauthorized transaction to account via text to verify if valid and declined which initiated a fraud investigation of the transaction to XXXX. Logged online and could not find any transaction on account history and contacted bank and answered questions about last use of card. Verified that transaction was not initiated by me and bank advised that a new card would be sent out for replacement. Received replacement card and provisional credit. Few days later, received letter alleging that transactions were determined to be valid and would post to account without any disclosure of evidence of investigation as to what city, state, country, continent transaction occurred, whose account transaction was executed by as XXXX is a member app program, nor was I provided information as to name of XXXX representative that verified transaction. Confused I contacted bank for clarification and fraud representative advised not to worry that transaction would not be posted to account. Few days estimated {$120.00} was deducted from account. Attempted to escalate and no claim/reference number or provisional credit was provided. 18 U.S.C. 242 deprivation of right to property due to improper investigation. Breach of terms on liability, 12 CFR 1.2j, per affidavit of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, LexisNexis. LexisNexis is braking the Fair Credit Reporting Act law. 15 U.S code 1681- ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have attached a letter that LexisNexis mailed me stating that they purchased bankruptcy information from XXXX. LexisNexis did not get my XXXX XXXX to furnish a bankruptcy on my consumer report. LexisNexis DELETE this bankruptcy from your data immediately. LexisNexis reports this bankruptcy to XXXX, XXXX and XXXX as well. This company is braking the law!!!!!!!!!! I have attached documents of proof. I have attached my ID, XXXX XXXX card, and most recent Utility bill for proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX OF XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Checking or savings account

I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Discover savings account through an ACH initiated from Discover Bank on XX/XX/22. The transfer occurred on XX/XX/22 and funds arrived on XX/XX/22. The funds were subtracted from my XXXX XXXX XXXX XXXX. 

The funds are on an extended hold at Discover till XX/XX/22 and no explanation has been provided for the delay in funds availability. 

The accounts have been open for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Act Credit Equifax is violating my rights. I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. On XX/XX/XXXX they send me letter page 3 of 6 ; saying it was verified through XXXX and I resent the letter showing that they could not verify. Please review paperwork attached.
Product: Credit reporting

XXXX place a collection account on my equifax credit report this collection account is identity theft my police report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -- XXXX : -- XXXX : -- Equifax XXXX : -- XXXX : XXXX XXXX : -- XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Contacts Show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX There are several inquiries listed that do not belong to me . It appears there is fraud going in. Someone is trying to open accounts in my name
Product: Debt collection

The company in complaint is mountain run solutions. I have an Alleged debt from XXXX  XXXX. That has gone to collections. My aunt and I received a text on XX/XX/XXXX about it. My aunt is not on that policy. XXXX is a home security company and my aunt is an emergency contact for me since I don't have any family here in Colorado. But her signature or any financial information is not on that contract. She should not be tied financially in any way. I called and asked them for a debt validation letter. I did not receive anything and forgot about it. On XX/XX/XXXX i received another text and stating that they would be reporting the account to the credit bureau on XX/XX/XXXX if action was not taken. I called immediately and I asked for validation of the debt to which they just sent me a packet of their own alleged payment amount. That packet arrived XX/XX/XXXX They didn't include any original bills but they included a copy of the contract with no billing history. The only date regarding the debt is XX/XX/2020. I didn't even live in the property the debt is regarding at this time. I called again to say I don't believe this debt is correct please send me info with an original bill and breakdown. Today on XX/XX/XXXX they put this dispute on my aunts credit. She's not on the contract and I've already started disputing this. There was no reason for that. And there's no information that can allude this being an acceptable action. The paperwork with My aunt 's name even shows that she is a secondary contact but not a customer. The top corner of the electronic signature disclosure only has my name. The actual contract only has my name. She is not anywhere on the customer information side. My credit seems to have not taken a hit yet as it should be because we are in dispute. My aunt should in no way be involved in this.
Product: Credit card or prepaid card

I purchased merchandise on or around XX/XX/2022 and as of todays date I have not received it. So, I went to XXXX website to check on order and there is " NO '' RECORD '' of the order ( Order Number XXXX ), ( see attachments ), and I tried to file a dispute, but there is no record of the order, thus I can't file a complaint nor can I contact XXXX about the missing order. The merchandise was paid using the payment source " PayPal Credit ''. Pay pal credit says I have to contact XXXX, but there is no way to do it since XXXX doe s '' NOT '' have a record of the merchandise I purchased. Thus, I should not have to pay for merchandise I have not received nor XXXX has not a record of it. I believe it is a " scam '' ( since there is no record on XXXX ), of sorts and I was " scammed ''. SO I am asking Paypal credit to reverse the charge of {$60.00} made on XX/XX/2022. I want ti removed from my Paypal Credit XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DEMANDED THIS COMPANY REMOVES THIS INACCURATE HARD INQUIRY FROM MY CREDIT REPORT THEY HAVE NOT TAKEN ACTION
Product: Payday loan, title loan, or personal loan

I have been trying to payoff my auto loan in full and the company refuses to take payment or send me my title. They only accept payoff payments by mail, not online or over the phone. I find it unsafe in the pandemic for me to leave my home to go to the post office. However, I did mail the check on XX/XX/XXXX and the company claims they still have not received it despite confirming I had the correct address. I can not keep waiting for my title. I can not register my car so I can park it on the street without the title. Now theyre requesting money orders in addition to the check I already sent which is highly suspicious. All I want to do it pay off my car and get my title. I spent one hour and forty minutes on the phone with them and got nowhere. Just told to wait until they deposit the check Id already sent even though I will now by late on monthly payments.
Product: Vehicle loan or lease

GM Financial has committed Willful and Negligent violations as per the Fair Credit Reporting Act. ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ) As ofXX/XX/XXXX 2017, XXXX, XXXX and XXXX has this account currently at " 60 days late ''. As of XX/XX/XXXX, 2017, it had be reporting a " current 30 days late ''.
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I spoke by conversation on XX/XX/XXXX, 2017 with XXXX at extension XXXX at approximately XXXX Central Time as it was on a recorded line. She advised my account had never been 30 days late nor 60 days late. She furthermore confirmed the most the account has ever been late, do to an erroneous automatic payment which never processed was 25 days. She was direct at first and " did n't care '' what any credit report stated as she stated the account has " never been late '' in its entire history. Additional verification both of my personal checking account and XXXX 's account history confirmed this account has never been late 30 days at any points in its history.
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I asked if I could speak to a supervisor or speak to the credit department directly and I was advised the supervisor would state the same and I was allowed to speak to the credit department rather she would send them an internal email.
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Since these erroneous trade-lines are currently on my credit report, my credit scores ( FICO SCORES ) have dropped from an average of XXXX to an average of XXXX  This represents a risk factor to almost none existent risk to a huge risk. Additionally, since my creditors use monthly soft pull credit reports to monitor their own credit liabilities, I have had 2 creditors considerably drop my credit lines available with them which put me at a higher utilization rate so even when GM Financial corrects this violation, my credit score will still be significantly lower since my utilization will take a hit. Additionally, the only possibility these creditors raise limits where they once stood before these violations is to have them re-pull credit reports which constitutes a hard pull, thus an inquiry which does lower credit scores.
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As of Today, XX/XX/XXXX, 2017, I am also sending a formal complaint to the FTC and the Attorney General in Texas so GM Financial stops their illegal tactics of committing both willful and negligent violations and stop financial harm to  unsuspecting individuals.
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If I did n't purchase a credit monitoring service, I would n't ever been alerted to these violations. I need this immediately corrected on my 3 credit bureaus and will be filing a lawsuit against GM Financial for statutory damages, actual damages for their willful violations while also suing for actual damages for their negligent violations.
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Additionally, I am in the middle of refinancing my private residence and these violations completely have caused a massive financial problem due to the violations and continued negligence of GM Financial.
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In addition to other Regulatory Agencies currently being notified, let this serve as an official warning to GM Financial.
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Best Regards, XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I Been Had Cash App Since They Came Out A Few Of My Accounts Were Hacked And 1 Of My Accounts They Shut Down And It Had Money In It And They Didnt Even Send Me My Money Saying Im Not Who I Say I Am I Sent Pictures Of Me And My Id Social Security And Birth Certificate I Just Want My Money And To Be Able To Make Me Another Cash App Please I Have XXXX Kids And No Time For Games I Dont Remember Exactly How Much I Had On That Account Because 1 Minute The Account Open And The Next Minute They Closed It Telling Me Im Not Who I Say I Am
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$700.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!
Product: Credit reporting or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND NOTICED A FRUAD ACCOUNT THAT I DIDNT NOT OPEN.
Product: Debt collection

I have on multiple occasions reached out and disputed a collection listed on my credit report with convergent outsourcing Inc as well as XXXX   and XXXX. The two credit bureaus keeping sending me back that the debt has been deemed verified but it is not. I have absolutely no idea about this account and it can not be verified as mine by the credit collection agency. I spoke to a representative at Convergent Outsourcing named XXXX in attempt to verify this collection. I advised her that it is not mine and I have no idea about it. I asked her to send me a copy of a contract or legal document bearing my signature. I was advised by her that they don't have anything with my signature or anything to validate the account is indeed mine. She said they were just tasked to collect and are doing so. She went on to advise me that she did not need to validate any information to collect a debt. I then contacted the credit bureaus back for the third time to advise them of my conversation with the collection agency. I advised them that they can not validate my debt so therefore how could the collection agencies. They advised me to call the collection agency to deal with it. Mind you not on three previous attempts I mailed dispute letters to both XXXX  and XXXX  to disputed with no resolution. I am entitled to a complete and accurate credit report and this collection violates that. I am asking for assistance in rectifying this as it is not my account.
Product: Credit card

I received a refund when my balance on my credit card was XXXX which put my credit card into a positive balance of {$690.00}. I contacted the bank and ask them if they could transfer the money to my savings account or my checking account and they advised me that they dont provide that service. They are unable to release my cash and simply told me spend the balance. I do not wish to spend this money, I want it back
Product: Credit reporting

I am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.
Product: Credit card

I was a victim of fraud and Capital One Fraud department charged back fraudulent charges while ignoring my request to send proof that they had deemed my or an authorized user responsible for these charges ( I had no authorized users to be clear ). Additionally, the declined to re-open my investigation. When asked if it was the policy or Capital One to see their users as legally responsible for fraudulent charges, they skirted around this saying, Well, our investigator closed the case. In my request for the name or employee number of the investigator, I was not given any requested information ( again ). Several times I requested another supervisor and was denied. Now, I have a payment due for charges I never made and have to ding my perfect credit or pay balances Im not responsible for. I will be filing a complaint with the CFPB, FTC, and any further legal action necessary. DO NOT OPEN AN ACCOUNT WITH THESE CRIMINALS! The woman I spoke with was XXXX, empl # : XXXX. 

The end result was nobody wanted to provide merchants, delivery information, who was responsible for the decisions made, refusal to re-open investigation and many other failures to supply consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : The list of accounts below has violated my federally protected consumer rights privacy, and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX Account, has violated my rights. 
2. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
3. XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) on behalf of XXXX XXXX  XXXX XXXX has violated my rights. 
4. XXXX XXXX XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA XXXX ), has violated my rights. 
5. XXXX XXXX  ( XXXX XXXX XXXX, XXXX, MN, XXXX ) has violated my rights. 
6. XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX has violated my rights. 

Furthermore there is an address I have never lived in that has been reported. I have never lived in address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 

15 USC 1681 SECTION 602 A, states I have the right to privacy.

15 USC 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furninsh account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report continaing any of the following items of information, any other adverse item of information, other than recortds of convictions of crimes which antedatates the rport by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume rreporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Product: Debt collection

Request for Removal of Unauthorized Inquiries : I urgently request the removal of unauthorized inquiries from my credit report. These inquiries were not authorized by me and are causing considerable distress.
Product: Debt collection

The utility debt is during a time I was not located in the state. I only lived at the address in question from XX/XX/2020 to XX/XX/2020. The utility service was to have been ended and transferred back to the lease holder of the New York apartment. ( I was subleasing and later discovered I was not even subleasing legally. The landlord changed the locks when I went out of town for a XXXX ) I was not informed of the bills stacking until I received a collection notice.
Product: Checking or savings account

On XX/XX/2020 my checking account was cleaned out in the amount of XXXX and my Wells Fargo credit card in the amount of almost XXXX. The hacker opened 3 accounts in my name XXXX, XXXX XXXX and XXXX XXXX. I called Wells Fargo immediately I looked at my account at XXXX XXXX  on the ninth to see if our Social Security checks came in they did when I went back at XXXX to pay bills all our money was gone. Wells Fargo made a claim and said they would get back with me they refunded {$1400.00} on one of the charges of my credit card and they refunded XXXX for a XXXX I didnt do. I received a letter on XXXX XXXX from XXXX XXXX senior vice president over claims she was stating that she was closing my account and they were not paying any further because they could not establish fraud basically told me that I was stealing my own money. I looked into one of the withdrawals for {$1500.00} that went to XXXX so I called XXXX to see what could be done and talk to the fraud department he informed me that there was still {$1500.00} in that account and that hackers had not transferred the money yet I asked him if he could transfer the money back to my account and he did so I retrieved XXXX myself. Another XXXX went to XXXX then they were sending money to people I dont even know. Later that day I received a phone call from Wells Fargo supposedly the call ended up being hackers posing as Wells Fargo and then they talked us into a whole other situation. She said there was a way to get our money back a lot faster and that was to go to a grocery store and get three XXXX XXXX {$500.00} cards so that they can track where the cards were going to I said I have to buy gift cards and she said it will make things go a lot faster once they find out where the money is going to and then replace it and put it back in our checking account. So my husband and I went and got {$1500.00} worth of gift cards gave them the numbers didnt realize this is another scam I even have a recording of the girl telling me that I was going to get my money back faster I guess were just old and stupid. But that XXXX I retrieved it from the XXXX account before they could transfer.