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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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. THIS IS MY 2ND REQUEST... 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They have violated my rights to privacy I have not provided written consent for them to furnish my information to anyone.
Product: Debt collection

XXXX XXXX XXXX has violated my HIPPA rights by sharing my medical records with Miramed Revenue Group. 
I tried contacting XXXX XXXX XXXX whom stated this debt was no longer being administered by XXXX XXXX XXXX, it's being handled by a third-party. I have not given anyone permission to share my medical information, therefore XXXX XXXX XXXX has violated my HIPPA rights. Also XXXX XXXX XXXX and Miramed Revenue Group has applied this negative, false information to my credit reports. 


15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Debt collection

Multiple disputes was submitted to this agency regarding the debt. Went to original creditor who provided documentation that the debt is no longer owed. This debt collection agency has not stop contacting or reporting inaccurate information to bureaus after multiple disputes.
Product: Checking or savings account

As stated in numerous prior CFPB complaints filed since XX/XX/XXXX, a closeout check in the amount of {$4200.00} was not received, intercepted while I was on vacation. Prior to this, I deposited check into my XXXX account, now XXXX XXXX, on XX/XX/XXXX, left for vacation the next day. A stop payment was placed on check prematurely by Capital One rep, check reissued and sent XXXX next day. It was intercepted and cashed by another party, my signature forged, which I've detailed numerous times in prior complaints in re. An affidavit was signed, sent in to Capital One, did not hear back in re, reps do not have any information. The bank check was cashed at, XXXX XXXX, did not receive any information from Capital One and since reps on Capital One side refused to reach out to XXXX XXXX, I had to look up person whom cashed check and attempt resolution. I spoke with person at length, agreed to reimburse me but check provided did not clear my bank. Needless to say, I am still owed funds from Capital One.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my Account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA, XXXX XXXX, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX report for XXXX I have a score of XXXX from Transunion and XXXX from XXXX. I have XXXX collections that are over XXXX XXXX XXXX. I thought these types of collections would have less effect on your score over time. And they have been chargedoff /closed. XXXX XXXX  used a lot of information that is outdated. 
Also, I was still working on my loan applicant but was denied anyway.
Product: Debt collection

I used to travel alot for work before covid. While viewing my credit report I noticed that this issue is still on my credit report. This account doesn't belong to me. I would like it removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Account showing XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is inaccurate. I tried to dispute for inaccuracy on XX/XX/XXXX, but all they did was add a XXXX for XX/XX/XXXX. Account was closed in XXXX of XXXX.
Product: Checking or savings account

Paid XXXX XXXX ( XXXX XXXX ) {$88.00} on XX/XX/23 for XXXX month. My wife also paid {$88.00} for XXXX month on XX/XX/23. I have called Chase several times to let them know I double paid the XXXX and need one of the {$88.00} charges refunded back to me. I have sent documentation showing the proof. I literally sent my wifes entire XXXX bank statement ( including acct number ) that shows the {$88.00} transaction and chase still refuses to approve claim and also are very rude about it and wont tell me anything. Very frustrating experience. I just want m money back because this is 100 percent wrong on both Chase and the XXXX. I have reached out to the XXXX as well and thuey also refuse to cooperate with me.
Product: Payday loan, title loan, or personal loan

On XX/XX/2016 I was approved for a personal loan with NetCredit. I was unaware of the future circumstances and took out a very high interest loan, 99 % interest on a {$2000.00}. I have become a XXXX veteran and unemployed at the moment due to my condition. The total amount that I will be paying back on a {$2000.00} loan is {$7800.00}. I have been paying on this loan since that date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking Information Resulting from Identity Theft 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally request that certain information be blocked from my credit report pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the information in question is not associated with any transactions or accounts I initiated.

As required by the FCRA, I am requesting that you block any information that has resulted from identity theft. This information was not authorized by me, and I have taken the necessary steps to report the theft. The information I am disputing includes, but is not limited to, the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed the following documentation to support my claim : A screenshot from the EQUIFAX DATA BREACH SETTLEMENT website which verifies their records indicate your personal information was impacted by this incident. 
Please investigate this issue, and in accordance with the FCRA, block the fraudulent information from my credit report within the required timeframe. According to the law, you are obligated to complete this process within XXXX business days of receiving my dispute. 
I appreciate your prompt attention to this matter and look forward to receiving written confirmation that the disputed items have been blocked. 
Should you need any additional information from me, please feel free to contact me at ( XXXX ) XXXX or via email at XXXX. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX : XXXX
Product: Checking or savings account

My wife and I recently switched to Key Bank and moved a portion of our money over. We maintain 2 checking accounts and keep the majority of our money in one so that it makes us consciously think about it before making purchases. When we opened the accounts I went to the branch in south XXXX, AK to set up the overdraft protection to draw from our express checking account. The representative at the branch told us that it was complete and we left thinking everything was fine. 

A few weeks later on XX/XX/XXXX I noticed the first {$28.00} overdraft fee hit my privilege checking account. I called Key bank on XX/XX/XXXX to ask why there was a fee and explain that the overdraft protection from my express account should have kicked in. The representative refunded the fee and told me that it was now set up. 

On XX/XX/XXXX I noticed that after my call on XX/XX/XXXX three more overdraft fees hit the account. ( two for {$28.00} and one for {$29.00} ). I was not sure why this was happening because I am really very good about doing an internal transfer from the Key mobile application on my phone. The money moves instantly and then I use my debit card. I proceeded to call back into a representative on XX/XX/XXXX who told me the overdraft protection had not been established and that he would reverse the fees. He reversed two of the fees but left one on the account and told me that the overdraft protection was now set up.

On XX/XX/XXXX I realized that four more overdraft fees had been charged and at this point was beyond livid. I called customer service once again who now told me that the overdraft had not been set up and that you could not set up overdraft protection with another checking account, only a line of credit or savings account. This was the first time I was hearing this and was quite frustrated. When I asked her to refund the overdraft fees since I had been given the wrong information she proceeded to tell me that according to the notes on the account another representative notated that they already made me aware of this. I then asked to listen to the recordings and she was unable to do so. During this phone call I asked her why I was incurring these fees regardless of the overdraft protection since I had been moving money into the account prior to my purchases. She let me know that you incur the fee the second you swipe the card and according to her system it shows that I made the transfer after I made the purchase. I was worried about this happening so I took screenshots of the time the transfer was completed to compare to the time of the transaction and there was still nothing the bank was willing to do. 

Due to all of these items overdrawing the account, Key Bank has been reporting this information to XXXX XXXXXXXX XXXX. This reporting has stopped me from being allowed to open a bank account anywhere else. The reporting that Key Bank is doing is inaccurate and against the law. Not only does their system not accurately record the time of internal transfers, but the dates and times of purchases are not accurately recorded.
Product: Credit reporting or other personal consumer reports

This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that XXXX, XXXX, and Equifax block and delete these items from my credit report within four ( 4 ) business days.
Product: Checking or savings account

Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on  XXXX   XXXX   2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on  XX/XX/2017   , Loss Prevention placed a block on my account restricting my access to online banking and left me a message.     I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank,  XXXX , and the LP Representative,  XXXX   XXXX  advised she would get back to me after speaking to  XXXX .     On  XX/XX/2017   ,  XXXX   XXXX  stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00}  to Ally Ban k for funds owed on a Jointed Money Market Account ending in  XXXX  that was closed and charged off prior to this matter.     For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as  of  XX/XX/XXXX  ( today  ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing  Ally Ban k to transfer or withdraw funds from my interest checking account ending in  XXXX  to cover the debt owed on the Joint Money Market Account ending in  XXXX  which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize  Ally Ba nk to use funds from my checking account to pay this debt
Product: Debt collection

On this date of XX/XX/2021 Portifolio Recovery Associates, opened a collection. 
Account # XXXX. Amount owed {$470.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. 

Thank You. 
XXXX XXXX
Product: Checking or savings account

USAA mobile deposit auto corrected a check deposit to the wrong amount and refused to correct the transaction. The representatives lied to me about how this occurred and blamed it on irreversible issues with their computer systems.
Product: Checking or savings account

On XX/XX/2020 right after recovering from XXXX I noticed a XXXX discrepancy in my bank account. The moment I saw that my account was being used without my consent, I contacted Chase bank and notified that I was being victimized by the fraud that generated the number # XXXX. He said it is quite clear that my ex-roommate had committed the fraud since although the purchases came from my debit card, the notes were in the name of my ex-roommate and I had never given him any information or permission to do so. make no purchase. Yet Chase bank dismissed my claim of fraud, making all purchases valid. Except for three transactions which, according to them, were the only ones considered fraud, which seemed strange to me. As only three were frauds and the others were not, since they were done on the same site and by the same person? 
I contacted the companies from which the purchases were made and they all informed me that the purchases came from the same person. I reported the fraud to the Federal Trade Commission and then I sent a follow-up letter to Chase Bank. But they said there was nothing more to be done, and that it would not be possible to reopen my case for a new check. 
I no longer have any contact with my ex-roommate, as you can imagine he disappeared, but I have people who knew him and can testify and confirm everything I'm going through. 
They claim that the reason my complaint was dismissed is due to the delivery being made to my address, but they did not take into account that the person responsible for the fraud was meuex-roommate, as he lived with me, so we had the same address.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These unauthorized entries have seriously disrupted my life, causing major stress and anxiety. I want to be clear : I never authorized or consented to this information being linked to my name. I'm a victim of identity theft.
Product: Credit card

On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.