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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX 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 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 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 an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A landlord at the XXXX XXXXXXXX XXXX  ( now called XXXX ) in XXXX, Oregon fraudulently and negligently charged us a maintenance cost upon move-out. I initially disputed the charges with the landlord/management team at XXXX XXXX XXXX I provided evidence that the company was illegitimately billing for these maintenance costs. The landlord/management company still fraudulently charged me. When I didnt pay the disputed bill they sent it to collections. 

The collection agency I.Q. International Data Inc. sent myself a collection letter. I disputed the debt in writting within 1 day of receiving the collections notice. The collection agency responded by just sending the original bill back to me not acknowledging that the debt was disputed. The collection agency still reported the disputed charges to the credit bureau. Now the collection agency will not confirm that they received my dispute letter even though I have the letter they sent back to me in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Loqbox Account XXXX XXXXXXXX, has violated my rights.

1

5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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

Launch services took over another student loan I had with no notice, phone call or email. I pulled my credit report and was completely appalled that I had so many late payments. I called and they told me if I got caught up, they would remove them immediately. I just went to apply for a car, and they are all still there. 

I have sent letters after letters trying to investigate and validate the late payments and I am not receiving any replies. I know they have 30 days and they are not complying.
Product: Debt collection

Someone opened an account with XXXX XXXX and left a balance of XXXX on my credit report. I have filed a police report and have filed several disputes on XXXX and XXXX and nothing has been done the company keeps saying its my debt. One thing for sure we dont have a XXXX XXXX in Michigan the account was opened in Arizona in XX/XX/year> in it has been a problem on my credit report please help me
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Sale of Personal Data and Resulting Harm To Whom It May Concern, I am writing to formally lodge a complaint against LexisNexis Risk Solutions Inc. for the unauthorized collection and sale of my personal data, which has resulted in significant harm to me. Despite not providing explicit consent, my personal information has been disseminated to third parties, leading to adverse consequences.

Nature of the Complaint : Unauthorized Data Collection and Sale : LexisNexis has collected and sold my personal information without obtaining my explicit consent, violating my privacy rights. 
Resulting Harm : The unauthorized dissemination of my personal data has led to [ describe specific harms, e.g., identity theft, increased insurance premiums, denial of services, emotional distress ]. 
Relevant Legal Precedents : LexisNexis has faced legal action for similar practices, indicating a pattern of behavior that disregards consumer privacy rights : Immigration Advocates Lawsuit ( XXXX ) : Immigration advocacy groups filed a lawsuit against LexisNexis for allegedly collecting and selling personal data without consent, posing a " grave threat to civil liberties. '' XXXX XXXX XXXX XXXX XXXX LexisNexis Risk Solutions Inc. ( XXXX ) : A proposed class-action lawsuit alleged that LexisNexis violated the Fair Credit Reporting Act ( FCRA ) by failing to keep consumer data up-to-date, leading to adverse financial decisions based on inaccurate information. 
XXXX XXXX XXXX Requested Actions : Immediate Cessation of Data Sales : Cease the sale of my personal data to any third parties without my explicit consent. 
Data Access and Correction : Provide a comprehensive report of all personal data collected about me.

Allow me to correct any inaccuracies in the data.

Compensation for Damages : Compensate me for the harm suffered due to the unauthorized sale of my personal data.

Review and Amend Policies : Review and amend data collection and sale policies to ensure compliance with applicable laws and respect for consumer privacy rights. 
Conclusion : The unauthorized collection and sale of personal data by LexisNexis have caused me significant harm. I urge you to address this complaint promptly to prevent further damage. If satisfactory resolution is not achieved, I will consider pursuing legal action to protect my rights. 

Sincerely, XXXX XXXX
Product: Prepaid card

The American Express gift card was given to me as a gift on XX/XX/XXXX. I attempted to use it the next day, XX/XX/XXXX, online at an online apparel store, but the card was declined. The card 's transaction description says the card was declined due to " Missing Security Code, '' despite the fact I entered the correct security code. Additionally, my card was charged a {$0.00} fee for each declined attempt. I attempted to use it the next day, XX/XX/XXXX, only to incur an additional {$0.00} of fees on declined charges. The next day, XX/XX/XXXX, angered and frustrated, I attempted to use it with a different store, only to be declined twice, but have the transaction go through on the third try. I did not change card or shipping information, but the card apparently magically worked one time. Encouraged by this, I then returned to the initial apparel vendor, only to have the card once again declined. I then called the American Express gift card helpline only to be met by a man with XXXX phone connection so I could not understand most of what he said to me. However, when I asked him whether this was a merchant issue or an American Express issue, the man clearly replied, " There is no issue, the card just can not be used with this vendor. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue or concerns are with Equifax and XXXX I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. Equifax has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX XXXX. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both Equifax and XXXX are with ( XXXX XXXX XXXX for {$740.00} AND XXXX XXXX XXXX  for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my XXXX and Equifax credit reports. I have been disputing this information since XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX  there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and delete company information from Transunion. Please delete the following accounts. XXXX XXXX XXXX bal. {$320000.00} and XXXX XXXX XXXX {$5000.00}
Product: Checking or savings account

Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect bills being reported to my credit. 1 ) Regions Bank 2 ) XXXX XXXX XXXX, ( a debt collector for XXXX XXXX ) The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.
Product: Credit card

I am reaching out in regards to an account which I am not familiar with the account at all and even questioning if this is my account at all. Bank of America XXXX. 
I tried reaching out didn't get anywhere
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX
Product: Money transfers

I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.
Product: Checking or savings account

I had an account with Wells Fargo. When I used it I only used the money that I had in the account. Yet my account became over drawn. I spoke to someone they suppose to had fix the problem. In which they didnt and then charge me fees.
Product: Credit reporting or other personal consumer reports

Capital XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies.it Then on XX/XX/XXXX I pointed out that you are showing that this account was XXXX  days late in both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I also pointed out with evidence that there are different dates for those months than what XXXX is showing for this account. I also stated that if If you are saying this is accurate, can you please provide me with the payment history the data furnisher provided you that you are basing this on. Then you didn't repond until XX/XX/XXXX which has been longer than XXXX  days, which is grounds for deletion under the FCRA statutes. Please delete this account. According the FCRA innacurate data is grounds to delete an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/year>, I deposited a check into my USAA Checking account. Before making the deposit, I contacted USAA to obtain the location of an ATM that i went to the location in XXXX XXXX  and made the deposit. After making the deposit, I called the bank to confirm the deposit was made and they confirmed it. 

I requested to know how long it would take for me to have access to my funds, and the USAA representative stated they would try and see if I could get immediate access. I was told their company system denied my access because " it believed that the check may not be paid. '' I reminded the Representative that it is a US Government Check with my IRS tax refund from the US Treasury, and I was told the computer made the decisions and the representative could not override the decision of the computer system. 

On XX/XX/year>, I received a letter titled " NOTICE OF HOLD ON FUNDS '' from USAA dated XX/XX/year>XXXX  that stated, " We have confidential information indicating that this check may not be paid. '' I called USAA and spoke with a Representative who said the computer decides. I asked for a supervisor was not nothing could be done and I would have access to my money in 7 days. 

USAA is stealing from me and other customers by putting our money ( IRS tax refunds ) on hold while they allegedly benefit from the interest and ability to use my money, which I don't have access to. The activities of the bank founded to benefit veterans like me have been weaponized against veterans because the computer is in charge and decides when and if I can get my money from the USAA.
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XXXX XXXX 2019 I had a total of {$3200.00} fraudulently charged onto my XXXX accounts. ( Both XXXX XXXX  and XXXX XXXX  were affected ). These charges were initially disputed with both XXXX and Bank of America on XX/XX/2019. I had submitted paperwork documenting my fraudulent charges and spoken with no less than 5 separate bank of America employees. For reasons unknown to me the disputed charges were put into two separate claims. One claim was repaid to me in the amount of {$1000.00} however the second claim of {$2300.00} has yet to be repaid. The employees of bank of America claimed the file was in OPEN status for just shy of 5 months. Despite my attempts to speak directly with a manager I was never given reasoning for their denial of my reimbursement.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong information on my consumer report.
Product: Debt collection

I am writing to file a complaint against TransUnion for the failure to promptly remove a fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX ] from my credit report. Despite confirmation and removal by XXXX and XXXX due to identified errors, your bureau 's non-compliance with legal obligations is evident.
Product: Checking or savings account

My account with wells Fargo has been closed since last year of XX/XX/2022 because of an error on theyre behalf with calculations. Last year of XX/XX/2022 I had deposit money into my account, an amount of about {$2000.00} dollars before depositing the amount I had already had money in my account and had purchased flights to XXXX along with hotel stay as well. Once I got to XXXX the money of about roughly {$2000.00} which I believe was a little more than {$2000.00} was put into my account and wells Fargo had charged me twice for everything I admittedly contact custom service and made them aware of what they had done and they reimbursed me the funds. Now those funds didnt right away go directly into my account as you know it takes about 3-5 business days I had to deposit more money into my account as i need money to get around and track my spendings and so I did. At the end of my trip once I got back home Wells Fargo had calculated my spending and everything was deducted properly which left me with a balanced of XXXX dollar not including my reimbursement funds that hasnt reached my account yet at the time. As a week goes by I log on to my account and see that my account was over draft almost XXXX closely to XXXX hundred. Once again I called customer service to explain everything that had happen and this time there was no help what so ever Im fact was given the run around about how the things were calculated and about my reimbursement. I became frustrated because the representative had told me there was nothing she couldnt do and I would have to pay that amount that I was actually suppose to be my money not deducted I got upset and explained to her how Ive been a customs with them for over two years and they should investigate more. But because my account was already under investigation due to my {$2000.00} being deducted twice for payments I had already mad prior to putting that money into my account I had to wait for a response and the reimbursement. I hung up out of anger leaving me with no solution and a month to two months later a closed account. I was highly upset if the lost I took with Wells Fargo that through out the two months I was depressed and stressed because I felt hopeless and left with no options or help. Im making this complaint because hopefully this can help someone else who is currently in my shoes and this would get them the correct solution and justice they deserve.