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

XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts being reported on my credit that are inaccurate and I do not give Experian written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).
Product: Debt collection

XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid. 
Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another. 

My question to you is, when and how is this debt going to finally get resolved? 
Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders. 

Can you please help me out? 

Sincerely, XXXX XXXX
Product: Credit card

I filed a dispute about a charge on my card for XXXX cents I was told that I would get a new card and that I did not have to pay the amount. I got my bill and the amount is showing along with another fraudulent charge of XXXX which I have no idea who this charge of XXXX dollars is from so I filed a dispute on XX/XX/year>. 
My concern at this time is for the XXXX which I was told that someone called me and I refused to provide any information I never got a call and refused to give my name etc. I have the information if I had been asked I could and would have provided to them.
Product: Debt collection

I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them.
Product: Checking or savings account

I look online at my checking account ending in # XXXX and there is negative balance of {$380.00} and fees. 
A check was written for XXXX XXXX XXXX for {$300.00} as l look on Bank of America print out check on display online. 
There was some errors on written check and it appears that XXXX XXXX XXXX put errors on the check dated XX/XX/2020 and a hold was not written by me. 
There is over excessive fees of {$35.00} by bank of America. 
The check should be voided by Bank of America and XXXX XXXX XXXX and l make a payment arrangements with XXXX XXXX XXXX to payoff the {$300.00} in two months. 
I am respectfully XXXX XXXX, XXXX.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; 1st XXXX XXXX was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on Equifax late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, XXXX, and Equifax ) are reporting different and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, XXXX and Transunion on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried two attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX. TRANSUNION- XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.
Product: Mortgage

I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage account with Quicken Loans for 6 years. I always had the account on auto pay. In XX/XX/XXXX, after Hurricane Irma, they offered a benefit to victims of the hurricane in Florida in which they could provide a break of 3 months without needing to make payments. I made use of this benefit from XX/XX/XXXX to XX/XX/XXXX. My mortgage was reinstated in XX/XX/XXXX where my payments would begin in XX/XX/XXXX. They re-set my auto payments ; however, only until XX/XX/XXXX. I was never notified that this was temporary. Between the months of XX/XX/XXXX and XX/XX/XXXX, payments were not automatically withdrawn from my account and they reported my mortgage as 90 days late to the credit bureaus. I never requested a change or removal of the autopay. They did that on their own after I had set it up form the beginning of the life of my loan in XX/XX/XXXX. Now they refuse to make the proper adjustment to the incorrect credit report they made.
Product: Checking or savings account

USAA wants members to submit transactions for dispute and not review when then can verify your geo location and biometric signature can confirm or deny if you are the device owner * ( if someone else is not enrolled with their biometric image ) to give a false positive. 

This false positive happened with me and they still act like I am not informed and later dismissed as an XXXX. Who does that? 

USAA has engaged in unethical business practices by only having a short conversation and later to discard what a victim has endured as if life doesnt happen. 

How? Why? 

I havent been able to access my XXXX XXXX and XXXX deposit which I thought was protected no matter what. Especially with it being a XXXX XXXX founded company. I am curious to know what percentage of the US population they get the XXXX  XXXX and XXXX checks knowing I have no food or power and after three days of 30-20 weather alone desperately reaching out for help to hear, oh I am sorry, but I dont believe you are a victim of crime. Really? Want the police report about the XXXX assault?
Product: Money transfer, virtual currency, or money service

I have been going back and forward with CASH APP about a charge back onXX/XX/XXXXfor XXXX I was told " We opened a dispute claim with the card network because the merchant forced your Cash balance negative when the transaction captured initially. Based on the details provided by the merchant, they awarded the claim to the merchant. '' But the merchant provide me with poof that they sent the money back to cash app now cash app is saying its nothing they can do.
Product: Money transfers

To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. In XXXX XXXX, my Father XXXX XXXX expired, and on XXXX XXXX, I open up an Estate Checking Account via Wachovia Bank with Account number XXXX. Which is now Wells Fargo Bank, with Account number XXXX. On XXXX XXXX, XXXX there was a INTL WIRE FUNDS TRANSFER wired from my account XXXX without my Authorization. The amount was {$25000.00} Dollars, on my original Bank Statement it shows the Funds were transferred to XXXX. The person that received this transfer was XXXX XXXX whom I do n't know or ever heard of. This is the transfer information that 's on my Bank Statement REF/RFB # XXXX, ADVICE CODE : XXXX, Time of Transfer:XXXX ET. Also the bank ( Wachovia- Wells Fargo ) AUTHORIZATION AND SECURITY PROCEDURE : which rules and procedures include a requirement for you to sign a " FUNDS TRANSFER SCHEDULE A '' which I did n't sign any such document for my money to be transferred. The Bank Manager of Wachovia at the time was XXXX XXXX, she also told my husband and I that she had people in XXXX, and some times she goes there for vacation. I would like to say again that I did not Authorize this {$25000.00} dollars to be transferred from my Account. Also on XXXX XXXX, XXXX someone used my Bank Debit Card and took {$730.00} dollars off of it. But Wells Fargo has credit this back to my account XXXX this was done XXXX XXXX. I need Wells Fargo Bank to honor this FRAUDULENT WIRE TRANSFER, and credit my ESTATE of {$25000.00} dollars that my Father left me. They can send a Check to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX or Credit it to my Wells Fargo Account XXXX. We thank you in advance for looking into this matter for me. 
XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

a loan was open with possible finance on XX/XX/2023 in amount of XXXX this is a fraud account never heard of you guys please remove from all three credit reports or attorney general will be contracted my rights have been violated THIS IS A REFUSAL IM NOT PAYING FOR ACCOUNTS THATS NOT MINE AND PLEASE DON'T TRY TO UPDATE ADDRESS ON YALL END I KNOW THIS ACCOUNT IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX ACCT # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right tom privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' ( Furnisher of information credit agencies ) is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the nancial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied br otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX  XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

On XX/XX/XXXX I went to check my balance on my unemployment account through Bank of America and it was at {$00000.00} so I spoke to the claims department and they told me that on XX/XX/XXXX someone had transferred {$5000.00} into a bogus account. Then on XX/XX/XXXX they transferred the remainder of {$1400.00} into the same bogus account. At that point I was told that they would do provisional funding within 10 working days. Well the 10 days came and went and they've done nothing to help me with this error which is clearly their fault not mine. I have repeatedly contacted them on this issue and they keep giving me the run around. Now in their terms and conditions it clearly states zero liability on the customers behalf.This was all I had to live on from XXXX to XXXX. I have had to sell a my gold coins I've had forever just to be able to pay My bills. I've pleaded with them. I've been really nice on the phone. But they make me feel like I'm the one at fault. I trusted my money in their bank and because of their negligence and ignorance my money got stolen.i just want what's right. I shouldn't have had to sell my coins but they gave me no choice. I need your help. Please!
Product: Checking or savings account

I am writing to file a against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.