23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. 

Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. These accounts were disputed through he CFPB on XX/XX/year>. As of XX/XX/year> these accounts are still under investigation. The Fair Credit Reporting Act requires credit bureaus to delete any information that cant be verified within 30 days.
Product: Checking or savings account

I have been banking with Current Since XXXX. I started to notice that majority of the refunds that were processed from the vendors I used, never have been credited to my account. If I was to show you my statements for all of XXXX and onwards, you will see atleast XXXX transactions each month listed as " refund '' but the dollar amount is {$0.00} but when I questioned the vendors about my refunds they say the refund from their end is processed. Current has scammed over {$5000.00} in monies that belong to me and should have been credited to my account, but its been 2 years, and this fraudulent way of banking has not stopped.The issuing bank is XXXX XXXX XXXX and their address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX ND XXXX. Please help me recover my funds, I am a single mother who lives pay check to paycheck and {$5000.00}, if not more that is owed to me, would change my life,, I work hard for every XXXX and for a bank to not return the money, all the while the vendor has, is wrong for any bank to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX XXXX XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}
Product: Checking or savings account

Extremely Time-urgent XX/XX/XXXX XXXX XXXX XXXX XXXX Chief Executive Officer Current For Immediate Resolution Dear XXXX XXXX, XXXX XXXX and Current Executive Management : Please accept this email as a time urgent request to release my account and funds, as my account has been restricted arbitrarily and these funds are time urgent to care for my ailing Service Dog, XXXX ( XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. 

Per your request, please see the following and urgently release the hold on my account prior to contacting XXXX XXXX XXXX and local media XXXX XXXX XXXX to aid in this egregious matters urgent resolution. 

Please note that the address on my Current account is no longer current as a XXXX XXXX from XXXX XXXX, working and living in XXXX, I attempted to updated my address several times but the app would not allow such to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ). As such I am attaching other bank statements as well reflecting this address. 

Please urgently remove this restriction and contact me immediately to ensure this has been resolved, prior to all aforementioned actions. I have provided Current Bank and XXXXXXXX XXXX the following documents as of XX/XX/XXXX at XXXX PST : 1. Selfie holding current State ID with present mailing address ( as a licensed XXXX XXXX we utilize our mailing addresses and NYS DMV permits these addresses to be listed on our ID as we travel ) 2. Proof of CURRENT mailing address matching ID ( Bank statement ) - as a XXXX XXXX I do not pay utilities or phone, this is included in rent. 

3. The refund from XXXX XXXX was provided to me and my partner, for a refund of a XXXX completed previously that resulted in errors and was refunded on behalf of the XXXX XXXX XXXX. This XXXX was performed over one year ago and the card used at the time of XXXX has since been closed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX approved this refund ( cashier XXXX XXXX ) and requested a new card to send my refund to, and I selected my Current account. Please see receipt from said refund from XX/XX/XXXX. 

Please urgently ensure the release of my funds and account restrictions, as this matter constitutes as a dire-need situation given the present needs. 

Thank you kindly in advance for your urgent assistance. 

Best, XXXX XXXX ( XXXX ) XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX AV XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did write a complaint on XXXX XXXX XXXX and the did not remove my late on my credit report need them to remove it
Product: Checking or savings account

My mother passed away in XX/XX/XXXX, while I was still a minor, of 9 years of age. This has proven to be detrimental in the quality of life Ive had there after. She worked since XX/XX/XXXX to XX/XX/XXXX with full employee benefits, retirement and life insurance, Where I believe I was the only beneficiary, but as a minor, I had no voice and my future was in the hands of family. To my knowledge the court placed the life insurance in a CD that I would be penalized should I have withdrawn ahead of time, which I did, however received no penalty. My aunt was a personal banker at the same Bank of a America branch off XXXX XXXX in XXXX Ca and she handled all of my families banking needs. Including my inheritance. In XXXX, I had an urgent need to make my first withdraw, and by XXXX the approximate XXXX balance was completely gone, my aunt retired early due to the stress on the job and now in XXXX when I am wanting documented records of the XXXX, names, dates and withdrawals, the bank has no records of it. 
My problem is, how is it not a policy against Family members having access to families financial needs? Theres companies such as XXXX XXXX who will not allow even relatives to be employed together, how does Banknof America allow this?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. [ 15 U.S.C. 1681 ] section 602A respect for the consumers right to privacy. 15 USC 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 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: Debt collection

This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary.
Product: Debt collection

I have done more research with the XXXX XXXX XXXX, as I should have had an opportunity originally to go to court. I see they show they " Served '' me, and it was signed by a " XXXX XXXX '' - there is no way, as there was never a XXXX XXXX in my residence, nor do I even know anyone by the name of XXXX. I will be going back to the superior court to challenge this entire case. The company says they received a total of {$4800.00} and that is FALSE. I was given documents from the XXXX XXXX XXXX that shows a total of payments sent to Lobel as Original Demand Amount {$4200.00} filed XX/XX/XXXX. This amount has been satisfied, and we are now in XXXX attached document " Endorsed XX/XX/XXXX '' Show a statement from Lobel Financial that says " I acknowledge total payments to date in the amount of {$6600.00} '' Yet in their response, they lied and said I have only paid to date {$4800.00}. I am asking my complaint be re-opened as Lobel is committing fraud. I was never served the original document, never had a chance to appear in court. I was garnished at my prior employer, as well as current employer. XXXX I was served with a judgement total balance due of {$5600.00} which was paid in full with last payment in XXXX of XXXX. We then go 3 more years, and out of nowhere here they come with even more money owed. Debt is 11yrs Old. I have paid well over the original balance. I am asking the case be closed, or I will need to go back and file with the XXXX XXXX for fraud and harassment, as they stated here in their complaint the incorrect dollar amount in hopes of pursuing additional monies from me. This is harassment, this is fraud. Please let me know the response as my next step is to go back to the superior court where I will also file a complaint for consumer rights violation as well as negligence and fraud. I was never served, I never had a chance to appear. I was threatened with wage garnishments in XXXX and as a single mother, I paid what was asked. I do not think it is ethical nor warranted for them to come to me now in XXXX with this random new amount due.
Product: Debt collection

Co signed auto loan, person passed away, car was in her name, but I was paying loan all along. Try ed numerous times to have car put in my name so I could register and keep car. They could not help me. I try ed everything to keep this vehicle but it was not in my name. They asked for me to sell car, impossible Not in my name!! Did everything possible to have vehicle transferred to my name with not success just frustration. Could not keep paying for a car that was sitting in my yard, not registered, not being able to register and not being able to use. # XXXX. {$2900.00} # XXXX. {$1200.00}. Date as of XXXX-2004, This debt is 13 years old, should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, my ex-husband XXXX XXXX XXXX XXXX used several personal credit cards and made several purchases without my consent. At the time, the accounts were open and the cards were removed from my purse without my permission. When I was notified by XXXX XXXX XXXX, I took immediate action to secure the accounts effected and at the advice of the Fraud XXXX, I pressed charges against my husband in order to have the account accurately updated and the fraudulent account activity removed from my account. 

Due to the fact that we were married and living on a military installation, the local police instructed me to file a report through the military police. I filed the report and forwarded the copy to both XXXX XXXX and Dick 's Sporting Goods. Since then, the accounts have been closed but there are late payments that are still being reported which are adversely affecting my credit.
Product: Credit reporting

I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an incorrect report on my credit bureau reports. Vystar credit union is reporting a balance of {$5700.00} on a car that was charged off. I settled this with Vystar in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted Vystar ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
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 I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repair services, or other personal consumer reports

I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act 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 corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I looked at my XXXX  credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter
Product: Checking or savings account

Citizens Bank has lost money in my business account due to negligence. The location of the money is unknown by the bank and no answers are provided as to when they will find it. 

XX/XX/2022 - a transfer was executed by my company in the amount of {$5000.00} and a separate transaction of {$1400.00} to another bank. 

XX/XX/2022 - bank emailed my business and explain the transaction was halted, and to call customer service. Upon calling customer service the operator told me the transaction was stopped and would have to be reversed. 

XX/XX/XXXX & XXXX - The stopped transfer moneys have yet to be returned and I have contacted customer service at Citizens. No one at customer service can tell me where the money is and they have no record of it being stopped or returned. The bank the transfer was to go to has not seen the moneys in their queue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX