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

In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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: Debt collection

XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX  XXXX XXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me one more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XXXX I sold a car sent in my release of liability to DMV. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with DMV, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.
Product: Credit reporting or other personal consumer reports

XXXX has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a XXXX XXXX veteran and this exacerbates my XXXX. 

There are even scammers that are sending me emails such as this because of the breach. 

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your XXXX XXXX XXXX XXXX Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the XXXX XXXX Breach Settlement XXXX XXXX XXXX and follow the instructions to redeem your card. 
Once on the XXXX XXXX  click " Enter Code '' and enter the redemption code : XXXX TIPS : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the XXXX XXXX XXXX XXXX site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following one of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the XXXX XXXX XXXX XXXX XXXX XXXX us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce
Product: Checking or savings account

Capital One denied a claim for the amount of {$67.00} when the transaction is invalid! I never received the item there was no signature so there was no proof that maybe there was something wrong with the courier. Thankfully I closed the account, so I do not owe capital one any money and I don't care if they try to collect! I am on XXXX XXXX XXXX and I am judgment-proof!
Product: Credit card

I was PRE approved for the bank of america XXXX cash rewards card and the XXXX card and they denied me for both. They told me I was never approved for these cards which is simply not true. Bank of America has repeatedly denied me single cards yet they approve someone on reddit for XXXX BoA XXXX credit cards? What a joke.. I should be approved for both of these cards and if not they should remove the inquiries off my credit report. I have had so many issues with this bank and they are absolutely no help. The online chat reps just tell me I have to call and most of the time the numbers they give me are wrong and I have repeated issues from Bank of Amerideals getting my {$75.00} XXXX cashback and I am still waiting on {$100.00} checking account bonus and I have met all requirements. Now they are about to charge me {$12.00} a month for not having a certain balance or XXXX. Im tired of this bank taking advantage of me and nobody is willing to do anything ... They do not care about me as a customer at all. PLEASE HELP
Product: Bank account or service

while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.
Product: Mortgage

I've been paying my mortgage with Wells Fargo as the statements have been sent to me. I received a statement in XXXX XXXX XXXX for XXXX 's payment and I paid it early XXXX. I received a statement XX/XX/XXXX asking for XX/XX/XXXX payment which I sent before the end of XXXX and they received. I then got a statement on XX/XX/XXXX asking for XXXX 's payment but showing no payment made for XXXX and a late payment fee being accessed. 

My payment has been the same amount of what the statement asked for and ahead of the due date. I feel they credited the early payment to principal in order to create a late payment situation. I feel this needs to be investigated as I can't be the only one they have done this too.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$890.00} XXXX XXXX  XXXX Balance Owed : {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting two different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.
Product: Mortgage

In XX/XX/XXXX, I started working with Homespire Mortgage Company to qualify for a mortgage. I never received an adverse action letter but my credit was not extended to me and I followed all the instructions up until XX/XX/XXXX when I was told I needed to get rid of my car in order to qualify. My inalienable rights has a natural person was violated and my consumer rights by denying me for exercising my rights. There are no laws stating that credit reporting agencies determine credit approvals, and the credit reporting agencies are violating my privacy. In fact, XXXX does not back credit reporting agencies. Homespire had me submit an application which is the security collateral that they submitted to the federal reserve for benefits but I received nothing as a natural person. Additionally, Homespire has discriminated and discouraged me which is a violation of XXXX.
Product: Debt collection

XXXX XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over 7years ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.
Product: Credit reporting or other personal consumer reports

I had a financial company open a line of credit and bank account in my name fraudulently and trans union refuses to remove it from my credit report even though I proved it was fraudulently done. It is hurting my credit I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The two inquiries are not mines. 

XXXX Inquiry from XX/XX/2020 XXXX XXXX One Inquiry from XX/XX/2020 Bank This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got Access to my credit report and saw fraudulent accounts and inquiry 's reporting on my credit report Please help me resolve this issue this is destroying me financially in my life please help me request written permission with consent and signature of the full disclosure of these account being open from the creditors and credit bureaus. this is a violation of FCRA LAW CODE : 15 USC 1681B Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. 

605B 15 USC 1681N 15 USC 1681Q PLEASE HELP ME RESOLVE THIS ISSUE AND REMOVEDELETE THESE ITEMS : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Apparently, XXXX  XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to the credit bureau that I was late paying my loan after theyve had taken money out my account which causes my credit score to drop XXXX points. When it was time to file an complaint i was advised to contact cfpb for credit inquiries
Product: Credit reporting or other personal consumer reports

this is my 2nd attempt with transunion, XXXX, and XXXX  disputing the inaccurate information on my credit report. They have violated the FCRA by not doing a reasonable re investigation per 15 usc 1681s-2 and 15 usc 1681n ; 15 usc 1681o.I am requesting the deletion of the inaccurate information from my credit report. Furthermore all of the debt has been paid per HJR-192, 18 usc 8 , and the Emergency Banking Act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my account in XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX recieved statements contrary to facts and corporate claimed a charge off. 
As per rules XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( k ) XXXX ( j ) furnishing deceptive forms FCRA rules XXXX ( a ) ( XXXX ) XXXX ( b ) ( XXXX ). These violations require {$1000.00} XXXX  fines Also XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX ( a ) no written consent
Product: Checking or savings account

I believe i was victim of " EFT theft '' of my CitiBank checking acct and/or CitiBank ATM ( ... EFT theft due to " card shimmer/card skimming '' device/s attached to CB ATM ... IMO! )!!

I was " unaware '' that my my SSA benefits check for {$910.00} that arrives on the XXXX of most months was DDed to my checking account ... and after that my CB checking account had " {$1000.00} '' dollars withdrawn on the same day : XX/XX/year> but no timeline!! 

I have CB chat screen captures, other docs to support my claims and was given a Case Number ID from Citibank fraud division...

I am seeking financial relief via Regulation E laws ( short of Citibank giving me a provisional credit ; problem with that is my checking is now blocked so no refunds nor provisional credits will be added to my CB Checking acct!!! ) due to this EFT e Theft!!

Please advise how i may be compensated for this EFT theft of {$1000.00} dollars via Consumer Financial Protection Bureau ( CFPB ) online services??

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

XXXX and Transunion are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX with proof of error. Attached is the document showing that the collection account was opened in XX/XX/2020, but is reporting XX/XX/2020 which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Product: Money transfer, virtual currency, or money service

Step 1 : What is this complaint about? 

A cashiers check was purchased using my account information at Bank of America branch on XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$700.00} on XXXX without my consent by an imposter. The banks fraud department freeze the account and opened a new account and refused to return the funds, stating they have to recover the funds first and it will take 90 days to complete an investigation. I dud not authorize funds from my account to be used by any external or internal person or agency and this is fraud. 

The bank has since closed the case on the basis that I received funds through an ATM transaction which is not the case. An ATM transaction was attempted on the same day but not at the same time for the same amount of {$700.00} but the ATM did not disperse the money. I contacted the servicer of the ATM in the bank as advised by one of the branch bank representatives and they did issue a credit or reversal the same they to cover the funds so that was resolved with no needed investigation. 

I did take an over the counter withdrawal of {$700.00} that same day after the ATM did not disperse the funds. 

The bank removed the transactions for view online and now deny a cashiers check or additional over the counter transaction was completed for {$700.00}. 

I am filing a complaint against the Bank of America branch for mismanaging the funds in my account and participating in fraudulent activities. 

I request the Bank of America return my funds and an investigation conducted. A subpoena of the bank records regarding any and all accounts in my name or sub accounts attached to accounts in my name should be sufficient evidence. I have banked with them since around XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ] Subject : Formal Dispute Under 15 U.S. Code 1681o ( FCRA Violation ) Dear [ XXXX  dispute Department ], XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debtors agreed to remove off credit report reporting inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXX. [ XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Agreed to remove off credit reporting inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ The debtors agreed to remove off credit report, reporting Inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ The debtors agreed to remove of credit report reporting inaccuracyXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX ) XXXX ] [ The editor agreed to remove off credit report. ] I am writing to dispute inaccurate and/or unauthorized information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that [ describe the inaccurate or unauthorized information, such as an account, inquiry, or personal information ] has been reported or accessed in violation of my rights. 

Under 15 U.S. Code 1681o, any party that fails to comply with the requirements of the FCRA due to negligence is liable for damages. I believe this applies to my situation, as the inaccurate or unauthorized entry on my report has caused harm, including [ describe any damages such as credit denials, financial loss, or emotional distress ]. 

I formally request the following actions be taken immediately : XXXX. Investigation and Removal Conduct a full investigation into the disputed item and, if it is found to be inaccurate or unauthorized, remove it from my credit file. 
XXXX. Proof of Authorization Provide documented proof that [ company name or entity ] had a permissible purpose under the FCRA to access or report this information. 
XXXX. Updated Credit Report After resolving this dispute, send me a free, corrected copy of my credit report. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If this issue is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I reserve the right to pursue legal action for damages under 15 U.S.C. 1681o.

Please find attached copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]