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

XXXX XXXX XXXX XXXX XXXX XXXX, is in violation! 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 customers nonpublic personal information. '' ( Furnisher of information to 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 financial 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 or 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 which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer 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 consumers right to privacy.15 U.S. Code 1681s2 ( 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 1681c of this title and 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, credit repair services, or other personal consumer reports

My XXXX credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX /XXXX  ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the year of XXXX in XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXX verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX sold the acct to them.
Product: Bank account or service

I had signed up for a site called XXXX, where you could by Bitcoins using your bank account. I stopped monitoring the account because I no longer wished to do business with them. Unbeknownst to me, my data/devices were compromised after using them on an compromised network ( my temporary place of employment has significant security issues ). Through this, someone was able to access my XXXX account, initiate thousands of dollars of purchases ( initially in small amounts, then larger ) and send the money out from the account without any additional verification being asked for by the provider of the service. 

I advised my bank, Simple.com ( attached to XXXX XXXX ), of this. I owned up to the initial few orders I placed with XXXX, knowing that this makes the proceedings more complex. They researched it and denied my claim, citing XXXX initially saying all the transactions came from the same single IP. I pushed them for details and documentation, but they provided nothing other than the notes of a phone call. They said they 'd research it again. The results of the research led to another denial that hinged, again, on the very same notes of a phone call with no real documentary evidence. 

They said that, since I authorized their use of my account for ACH withdrawals and never explicitly removed that authorization, that they had no ability to dispute the charges despite my indicating that I never authorized them. They sent me to the provider to argue my case for them to refund me, which I will report in a separate claim, but knew would n't be fruitful. 

Everything I 've found online suggests that even ACH withdrawals that are in dispute from a previously authorized third party are to be fully disputable. Simple says that is not the case. I asked them to provide their published ACH dispute policy and they said they did n't have one. I asked them why they do n't publish their policy when it differs from common practice ( like what the XXXX notes ) and was then told I 'd need to send all further correspondence through postal mail, as my account was closed ( they closed it because they acknowledged my account information was compromised, even when they said none of the charges are disputable or even appeared to be fraudulent ).
Product: Checking or savings account

One line CD application by Bank of America. Opened up a CD with Bank of America online with XXXX K. It asked me the Bank routing number and account number to debit the money. Application is opened on XX/XX/XXXX with confirmation number XXXX. Money withdrawn from my capitalone bank on XX/XX/XXXX. Account didn't show up after 5 days. Called BOFA customercare 2 times, they guaranteed on the CD processing. Account didn't show up yet. Called BOFA on XX/XX/XXXX they said its not allowed to open CD online using another bank account and they are not sure where the money is. BOFA shouldn't have allowed me to open the CD using another bank in first place, instead they withdrawn the money with no notification. It caused me trauma on this money and the customer service agents had no clue instead they harras me
Product: Credit reporting or other personal consumer reports

XXXX XXXX, and Experian are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.
Product: Credit reporting or other personal consumer reports

XXXX about 2 years ago start showing auto loan for {$12000.00}, and a credit card charged off for {$10000.00} from XXXX XXXX XXXX XXXX and a collection for {$130000.00} from XXXX as closed account and stopped showing 2 of my current accounts such as my mortgage with XXXX XXXX XXXX .Experian also was showing same report except after disputing they removed one of the account with XXXX XXXX XXXX and left the rest the same. 
I have contacted the XXXX and Experion over several months via registered mail asking them to correct their reporting by removing the wrong items and putting back the right accounts that it are mine but they have have not done anything to correct their inaccurate reporting. 
I filled the complaint with CFPB asking them for help and now as of today they responded back claiming I am a victim of Fraud and start showing my mortgage loan with XXXX  XXXX XXXX as newly opened accounts instead of the actual date when I got the loan which is XXXX  and still shows the other 3 negative accounts and have not removed them.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I recently looked at my XXXX credit report on XX/XX/year>, and noticed some things are 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 according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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. 

XXXX has deleted XXXX XXXX XXXX XXXXXXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned of potential fraud on my credit report. I tried to access my TransUnion report today through their website and via their phone numbers to issue a credit freeze and fraud alert. 

This was completely impossible through any of their phone or website channels. 
TransUnion is required to submit my credit freeze within one business day of my request. However, they have closed all possible avenues for this request. 

I tried several of their possible phone numbers, including : XXXX ( main consumer line ) XXXX ( escalations line ) I tried five times. 

The first time, I got through but the representative transferred me without being able to help me issue a credit freeze. I waited for an hour without any agent talking to me. 

On the website, it just says there are 'technical difficulties ' and to call the numbers I listed above. Each time I called, the line auto-hung up on me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo has charged me overdraft fees when money was in my account or pending to be in my account. I was denied some my checks being cash or been giving a wait time on the disbursement of fund that were in my account without a sensible reason or explanation.
Product: Credit card or prepaid card

I am making this complaint on behalf of myself and not involved with a third party. I sent a request for validation to Wells Fargo pursuant to 15 USC 1692 ( g ) requesting the information detailed within that section of the FDCPA in order for me to validate the alleged debt. They did not respond with those and therefore it is within my rights to state that this alleged " debt '' is unvalidated and disputed. This alleged " debt '' is not mine. Wells Fargo requested that I send them information before they send me the information I requested which is a direct violation of 15 USC 1692 ( g ). I sent this package on XX/XX/2022 and it was confirmed delivered XX/XX/2022.
Product: Credit card

I made a purchase of {$500.00} from XXXX using my Discover credit card. However, I never received the merchandise. After that, I reached out to XXXX, but they didn't respond, even after promising to investigate and get back to me within 15 days. I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX still didn't respond. As a result, I filed a chargeback with Discover to dispute the charge. However, Discover deemed the charge valid without even investigating the overwhelming evidence about the delivery address not being mine, ignoring my multiple attempts to resolve the issue with the merchant, and the lack of response from XXXX. On XX/XX/XXXX, I received a letter from Discover asking me to submit any evidence to overturn their decision within 15 days. I feel like Discover won't help, as I have tried to resolve the issue with XXXX and have submitted substantial evidence. I have also involved the XXXX, but unfortunately, they were unable to help me either. Therefore, I am hopeful that the Consumer Financial Protection Bureau can assist me in getting a refund. If the charge is not removed, I will be forced to cancel my Discover credit card and start shopping locally using cash instead. I have attached evidence that supports my claim.
Product: Debt collection

Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from Continental Central Credit , inc . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from Continental Central Credit , Inc . The original debt was {$1400.00}. We attempted to make payments to XXXX who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " Continental '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by XXXX to the original debt. XXXX sold the debt to Continental including their collection fees. The original contract does not include allowed interest or excess fees. XXXX also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
Product: Checking or savings account

I reopened my XXXX XXXX account and with Chase XX/XX/XXXX due to my first business account being closed without explanation due to my trucks being down and not having any money going into the account. After reopening the account XX/XX/XXXX business picked back up and I actually had someone wanting to buy XXXX trucks all the way from Missouri. Being that the client buying the truck from me was new and he wrote a check I did not agree to have the trucks leave my property until the check cleared. Luckily I did because the checks came back as bad checks and we never heard from the client again. We never attempted to use the money or anything because there was no ill intent on my companies behalf. We found out the check was bad through a letter in the mail from Chase saying that it was stopped. I then made more purchases and deposits because Chase allowed us to and my account was still in good standing. Before this Chase threatened to close my account for not making deposits once again, if dont deposit anything they will close it and if you deposit too much they will close it you can never win with Chase . I then deposited another check for {$22000.00} on XX/XX/XXXX the check was placed on hold until XX/XX/XXXX. I was told that the hold was placed for so long to ensure the check cleared. I was fine with that just as a precaution. The check has cleared just fine and there has been no issue except for Chase wants to hold my money hostage and refuse to tell it to me or back to the company that wrote the check and they closed my account for no reason. XX/XX/XXXX the representative Told me to reopen another business account which I refuse to do because of all the trouble he also told me that he cant send my copies of my bank statements since they closed my accounts which is a lie. By law they cant hold my money and theyve already held onto it longer than allowed. I am a XXXX veteran trying to make a living and they hold my money as if my company doesnt matter. This is unacceptable and they need to return the money to me via check because I will not do business with Chase ever again. This has caused so much emotional stress and financial stress on me and my business is losing out daily due to Chase closing my account and holding my money hostage. We have called multiple times to do the phone verification with them and there has not been an answer yet and they will not allow the company to call directly to verify. This is no excuse for Chase holding the money hostage that has cleared weeks ago. They must do something about this and release my money or send it back. The money is not even collecting interest as they hold it this does not serve us consumers.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems and XXXX XXXX XXXX XXXX XXXX which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX  XXXX Account # : XXXX XXXX. XXXX  XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that ChexSystems and XXXX XXXX XXXX conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID. 
- A copy of my current phone bill as proof of address. 
- A copy of my ChexSystems report. 
- A copy of my Early Warning report. 
- A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Consumer Loan

Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.
Product: Checking or savings account

I feel I have been involved in a fraudulent scam with Wells Fargo bank. I received a check for identity theft protection affinion for {$270.00} Going back further I dont remember having Wells Fargo before 2012 but recall being in trouble for check writing that I never had or did. 
I believe accounts and money was transferred in my name against my will without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX to do an investigation of incorrect information on my credit report names and accounts and dates. I have been there are several accounts from XXXX and portfolio that have dates that are wrong. They have names from XXXX  years ago with no accounts in That name. XXXX has corrected all errors but transunion and experian refuse to even validate the dates are wrong from previous credit reports showing dates are clearly wrong and should be deleted. Thanks for you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX XXXX  to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.