23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My bank of america account debit card was charge for the amount of XXXX dollars and latter for the amount of XXXX dollars, I call bank of America to dispute this transactions and spoke with XXXX from Bank Of America Claims departments he mention to me that the XXXX dollars were a fee over the transaction of XXXX dollars and no matter what kind of dispute i do those fees will be no be reverse until the review of any dispute i filed. 

So the issue is because of both transactions my account was overdraw and was charge a fee of XXXX dollars, Bank of America has refund the XXXX dollars fee for the overdraw and posted a credit of XXXX dollars but leave the XXXX dollars with XXXX cents on my account what makes my account remains overdraw, and the bank is not willing to remove it from the account. 

i have called several times and i am willing to provide the evidence that neither the first charge or the fee where authorized charges but the banker claim there is nothing he cant do
Product: Debt collection

I have a collection account to " Trident Asset Management '' ( TAM ) in the amount of {$400.00}, opened on XX/XX/2015. The debt claims to be a a XXXX account, except I had an open and active XXXX account when this was initiated. I have made several attempts to dispute the account, but TAM continues to " confirm '' the account. I have made attempts to see their information they use to " confirm '' the information, i.e. my signature on a contract, but the company does not acknowledge my request. XXXX also fails to acknowledge the account or provide information. I have ZERO KNOWLEDGE of this account and request it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unsuccessful uploading supporting docs to the existing dispute as told to do by email. I was advised by Experian rep XX/XX/XXXX to start another dispute over the phone & to up load the docs to Experian/upload and the alleged bankruptcy would be deleted. I uploaded docs showing deletions from other 2 bureaus and other docs & proof my lexisnexus file is frozen in  which they stated they verified the info. XX/XX/XXXX received 2 more emails stating Experian opened more disputes, I spoke to a rep who was rude and gave conflicting info, stated you can't attached docs to bankruptcy. was transferred to supervisor who stated they shouldn't have opened so many disputes in error. I am being told incorrect and conflicting information on getting incorrect incomplete information off my record. This is a violation of my FCRS rights needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

HELP!!!!! My personal information has been played with so many times. Either the same person, or many others have access to my personal info. THIS IS ABSOLUTLY CRAZY. I NEED SOMEBODY TO FIX THIS ASAP!!! Im a simple person, living a simple life. I work hard for the little things I have. People taking peoples personal information and hurting peoples lives!! These accounts are not mines and I want the person locked up and then locked up again!. If you didnt call me to verify the accounts when they were being opened up. Then the accounts are not mines because I dont know anything about the accounts below!! 
I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report Case # XXXX supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

In accordance with the Fair Credit Reporting Act XXXX. The below accounts has violated my right.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ) ; and before I do that I report it to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX card. I make my payments timely every month. This month I sent a payment in the amount of {$10000.00} on XX/XX//23. The payment was due on XX/XX//23. My bank records indicate the payment was received by XXXX XXXX XX/XX/23. They have charged interest and a late fee and advised that I need to file a dispute when I called them. I also sent a proactive payment of {$2500.00} on XXXX/XXXX/23. This amount was not due, but I typically pay off my cards early to avoid interest fees. My bank records indicate that payment was received by XXXXComenity on XXXX/XXXX/23. They have not posted either payment to my account. Every month I have an issue with the timely posting of my payments with this credit card only. I always pay weeks in advance as my credit score will demonstrate, I pay my bills and I pay them timely. It almost feels like there is an unethical practice of holding back payments to assess additional fees ( interest, late payments ) by this company. 

Please assist as {$12000.00} is a large sum of money for me. The service at this credit card company has consistently been appalling. Every month this year, I have had to complain to them. I called in XXXX because I was concerned, they had not posted my payment and my bank indicated it was received by XXXXComenity two weeks prior. They finally posted the payment and did not charge fees. I called in XXXX because it looked like a flight I purchased was double charged to my account-they told me I need to file a dispute. It was clear I would not pay for the same flight twice! Luckily the airline handled it for me. This month, I have this issue. I do plan to close this account once this is resolved. There are too many other credit card companies that offer similar rewards to have to deal with this stress on a monthly basis.
Product: Credit reporting or other personal consumer reports

Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.
Product: Debt collection

On XXXX, XXXX | sent out proof of verification letters to XXXX, TransUnion, and XXXX, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( TransUnion )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am federally protected consumer approaching the CFPB for assistance with handling a company that has been extorting me for several years. 

XXXX has continually extorted me and pursuant to 18 USC 894, collection of alleged debt is extortion and a violation of federal law. XXXX has also failed to comply with the laws of the GRAMM-LEACH BLILEY ACT, which clearly states that nonaffiliated third parties should not have access to my nonpublic personal information. It is very clear that XXXX has continually extorted me for the purpose of unjust enrichment. 

I recently reviewed my consumer report and unfortunately located major discrepancies amongst it. 

In my recent dispute to TransUnion and XXXX, XXXX XXXX XXXX XXXX certified to TransUnion and XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish such information onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That isa violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( XXXX ), that has taken place.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following unknown address they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is THIRD follow up complaint. I had a issue that was reported to the XXXX policedept. I filed a complaint with the FTC over someone using my information to get accountsand loans. Someone recently was able to apply for several loans. I live in OHIO my ID isbeing used around the country. Please remove the following accounts and inquires:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Checking or savings account

Capital One 360 stole approximately {$50.00} from my account in 2012 and refused to give it back to me. They closed my account with no explanation. They still will not provide an explanation on why my account was closed. It 's illegal to just take my money and not give a good reason.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX in the mere span of 7 days I was victim to a fraudulent activities all charges were XXXX $ or under and I did not recieve any notifications or anything regarding this and before I knew it someone had taken XXXX $ from me and Bank of America has had my claim in shambles and pushed back indefinitely. The charges took place in XXXX  and I have proof I was working 7 days a week and turned in my time sheets for the XXXX job I was doing at the time here in Indiana. It is impossible to be me yet they still have not resolved this and it had been almost 4 months if not more. I have gave them more than enough proof and have waited so long but now my family needs money and they are practically looking for any excuse not to figure this out. Ive been banking with them for over 5 years and this had never before but now theyre treating me like I dont exist and never give me real updates. I call the merchant every day trying to get answers and it never works no one picks up my calls and sometimes it doesnt even ring. Also the first time I filed this claim in XXXX they told me to wait XXXX weeks before asking for temp funds and after XXXX weeks they told me I shouldnt have waited XXXX weeks and just had me lost and confused with false information
Product: Credit card

Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I asked XXXX to verify collection account reported by Midland Funding Account # XXXX. XXXX responded with account has been verified by the Midland Funding I contacted Midland and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, Midland Fundind responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that Midland Funding had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to XXXX and requested a re-investigation under 15 USC 1681 along with response from original creditor and Midland Funding ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint XXXX. The company 's only response was that they updated my name and address, but they failed to remove the unauthorized inquiries. I do not believe a real investigation was done, and I believe that Transunion is using stall tactics. How are you continuing to report something on my report that I am challenging when my information was in a data breach? I am now filing a complaint with the XXXX. I also filed a complaint with the FTC and I will attach that report. CFPB should make sure that companies are held accountable, and it seems as if this hasn't been the case. I am asking for all of the inquiries listed in the letter be removed immediately. How are you reporting unauthorized inquiries against my will? How can a creditor pull my report without my knowledge. I was also involved in a data breach so how are you determining that these are my inquiries if I am saying otherwise? I will attach the letter along with the other documents I stated. If this is not handled in a timely manner, I will be seeking litigation. I will be asking to be compensated {$1000.00} per violation in which I have this right per FCRA. Please refer to the letter I sent informing you of the inaccurate inquiries.