23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

I've mentioned being a victim of identity theft many times. Within 4 business days, you must remove/block any items that were opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Bank of America XXXX. I had money transferred via XXXX and I never authorized the transfer but was unable to get the funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 began notifying the consumer reporting agencies and secondary reporting agencies that I am an identity theft victim on XX/XX/22. XXXX and XXXX reviewed my identity theft report and removed the fraudulent items from my credit report. Equifax, XXXX, and the other reporting agencies have failed to do so. According to 15 USC 1681 c ( 2 ), a consumer reporting agency must remove and block any information from the file of a consumer that the consumer states is the result of alleged identity theft within 4 days of being notified. It has been well over 4 days. Also 15 USC XXXX a XXXX says that no account can be furnished on my credit file without my written permission. I have not given anyone written permission. Also, XXXX XXXX XXXX XXXX and Regions appear on my credit as charged off. To my understanding, this is illegal. The IRS considers this to be income. They are committing tax fraud. 15 USC 1681 e b is being ignored. They are reporting information that is not accurate.
Product: Credit reporting or other personal consumer reports

I have previously submitted multiple requests for your company to reinvestigate several inquiries on my credit report that I believe to be inaccurate. Isn't it your responsibility to complete these investigations within 30 days of receiving the request? I've also heard of instances where companies pull credit reports without a permissible purpose, yet I haven't received any verification from your company regarding these inquiries. Below is a list of the inquiries I need to be reexamined : I have attempted to contact each of these companies, but many have no record of me, raising the question of how they could have a permissible business purpose to access my credit if they are unaware of who I am. 

XXXX XXXX Inquiry XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Date XX/XX/year>XXXX XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Multiple accounts of identity theft on file the company refuses to remove or block even after recieving FTC Identity Theft Report and a separate Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit alert stating a new account has been added to my XXXX  report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via XXXX and the inquiry came back without being fixed. This is only showing on my XXXX report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.
Product: Debt collection

The company I will be referring to is acima leasing out of XXXX, UT. 
I bought merchandise using this company in 2020. The pandemic took its toll of my finances and I almost went broke. My finances fell apart for me as a result. Acima leasing is one of those finances I owed. My bank account was closed and they could no longer could charge my card. Here is the issue. I opened a new bank account with a new bank. Acima leasing randomly today has charged my debit card. They have never had that debit card information. They never got a court order of any sort to obtain that information. How did they get my debit card information and charge it without any permission? I am not disputing the debt at all, but only their collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute these inquiries Iam unaware of them, I do not recall Makin these ... I would like them removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, 2021 This Inquiry does not belong to me
Product: Debt collection

In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.
Product: Mortgage

We have had this same complaint before. Now we see that they have applied another fee billed to mortgager. We called and asked what the fee is for ( {$240.00} ) and again they said it was legal fees. However, they stated that we have to wait 30 days for them to provide us with an explanation. It appears that they are applying legal fees for no reason and expect us to pay the fees with no explanation. This does not make sense to me and my wife. 

When is this going to end? We have been paying the mortgage on time and also paying additional money towards the principle in order to get the house paid off faster. We just feel like they are trying to do any and everything in order to deter us from paying the house off faster. Please help us if you can. This new charge was applied on XXXX. 

The only reason that legal fees were applied before was because of a bankruptcy discharge & XXXX XXXX XXXX. However, those issues have been resolved.
Product: Vehicle loan or lease

XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. 

Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. 

Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. 

This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
Product: Student loan

As a typical XXXX grad of the modern century, i have XXXX loans taken out for my entire college career. one from the Dept of education, one from discover, and the last with Sallie Mae. Also, typical to college grads, i elected NOT to consolidate my loans because i have intentions of going back to school to pursue my medical license and begin practicing Veterinary Medicine. The issue that im having however is balancing paying my three student loans because SALLIE MAE has been taking money directly out of my bank account ( NOT PAYCHECK ) for the sum of $ XXXX. This is an issue because i never authorized automatic payments to be made. So today, when i went to make a payment to my XXXX student loans, i found out that my bank account is now on their prohibited list because of Sallie mae constantly taking money out, leaving my bank account in the NEGATIVE therefore leaving discover without a payment! SO now because of this unauthorized deduction, my discover loan is in the process of defaulting, because of that, i may not be eligible to apply to XXXX XXXX. Sallie mae is literally destroying my life and is making me regret my entire decision of attending college. After SEVERAL attempts to talk about this topic, im becoming more and more upset. once a Sallie Mae rep hears me begin to discuss my concern, they put me on hold and they never have someone answer me. i currently work in a XXXX XXXX XXXX doing 12 hours shifts, so my time is EXTREMELY valuable ... sallie mae has driven my ability to manage my finances into the ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars
Product: Money transfer, virtual currency, or money service

I am a creditor in the XXXX XXXX Bankruptcy for XXXX. 

As part of my settlement, my property ( crypto ) was transferred to Paypal as a third party intermediary, who I did NOT select and did NOT have any option to change. Since then, Paypal has refused to allow me to transfer ALL of my cryptocurrency in one transaction, and has imposed an arbitrary limit of {$10000.00} worth per week. This would take me approximately XXXX weeks to complete with a value of XXXX $ XXXX. 

Paypal required me to submit a " limit increase request form '', which I have now done multiple times over the course of the past month, and every time I submit it, they reject the form without explanation, AND WITHOUT ACKNOWLEDGEMENT OF ANY KIND -- they have provided ZERO updates, and have provided ZERO EXPLANATION why my request was not granted, let alone unacknowledged. 

Calling customer support is useless, as employees refuse to give last names or identifiers of any kind and have zero accountability and offer zero assistance -- every time I call back I have to explain the situation to a new individual who has no idea what they are doing and just recites the same incorrect customer service script, or they disconnect me, or leave me on hold for hours trying to exhaust me. 

As a victim of financial crimes, I have been waiting XXXX years to recover a small fraction of what I am owed and Paypal is creating new problems for me when I never wanted to be their customer in the first place. I want my property off this garbage platform, and I want to close my account permanently afterwards.
Product: Credit reporting

Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Product: Checking or savings account

On XX/XX/year> I used the atm at approx XXXX and I needed to make 2 transactional. First transaction was from my other debit card for {$100.00}. Second transaction was my CHASE DEBIT CARD for {$760.00}. The money never came out. I never received that money. I IMMEDIATELY called the bank and filed a claim. They issued a temp credit. Today XX/XX/year> I noticed CHASE has reversed the claim after I deposited {$980.00} today XXXX They REFUSE to look at camera footage. They are asking for documentation. I have no way to prove something I never had. I need my money back. I am a single mother and 2 months in a row CHASE has robbed me. After I am refunded my {$760.00} and {$980.00} want my account closed INDEFINITELY.
Product: Debt collection

I had been a member with XXXX XXXX for almost 15 years until they decided to almost double my annual costs for TV service. Every year, I would have to call and re-negotiate a billing price and every year they would reduce my costs from around {$220.00} per month to about {$120.00} per month, thus giving me their " promotional rates ''. In late XXXX, they stopped allowing me to get better rates, so I began searching for a cheaper TV/Internet provider. In XXXX XXXX, I had numerous phone calls with managers and people claiming that I would receive " credits '' to my accounts, or that I would see the price adjustment on my next billing cycle. After each month, and very little promises kept- in XX/XX/XXXX I cancelled my service. They gave me a final bill, instructions to send the equipment back and told me I'd receive a final credit from them, which should have been about {$150.00} credited back to me. Instead, they somehow said I owe them {$170.00} and kept calling me to tell me I owed them money. They couldn't explain how, or show me records of anything, but that was the " bill they saw ''. Now, they farmed it out to SEQUIUM ASSET SOLUTION for {$170.00} collection and Sequium can't produce any justification, billing statements, credit promises or anything. I've called XXXX and they can't produce anything other than a system saying that I owe them, Sequium can't produce anything other than a statement from XXXX saying I owe them. Nobody will even listen to me at XXXX to determine if they credited me back what they said they were going to do, nor can they even find records of my account.
Product: Checking or savings account

On XX/XX/XXXX I was in XXXX and I used my card to pay in an establishment the my card was stolen and I had charges for XXXX usd. Approx. even the bank sent me an email saying that my account had suspicious activity for which I immediately canceled my card. I tried to dispute with the bank and they denied my claim stating that due to the nature of the purchases it was impossible for the bank to reimburse me any money. I told them that their cards wont ask for a PIN number on foreign points of sale, the card just go through without asking anything, ( I think thats a bank issue the should fix ) another thing is that even though its a joint account that was strange behavior on th account we never do big transactions and the fraudulent transactions were XXXX, XXXX and XXXX dollars, something unusual in our normal activity, now the bank say they cant do anything. They closed the claim without even telling me, I noticed it when logged in in my app. And the claim shows less transactions than the ones I reported XXXX dls. And now the claim appears XXXX transactions for only XXXX and denied.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies XXXX, transunion, and XXXX has lower my credit score because of late payments and utilization rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. 

I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308
Product: Checking or savings account

I went to an ATM machine at a nearby liquor store on Saturday XX/XX/XXXX. I withdrew {$100.00} cash. 
Today on Monday XX/XX/XXXX, I receive an alert that my account with Ally is overdrawn and the {$100.00} ATM withdrawal is reflecting TWICE on my account. 
I sent a message to them on their app and the rep indicated that they are having a system error that is causing charges to reflect twice. This is extremely disturbing and unsettling, and to trigger overdraft alerts to their customers while they know a system glitch is going on is terrible. CFPB needs to look into this to ensure Ally has appropriate technology and internal control resources to prevent this from happening in the future. These types of errors, while they may be rare, are unacceptable and are surely a violation of consumer protection laws.
Product: Checking or savings account

First, and foremost, I works for XXXX XXXX  I was told my funds from income taxes will be released a week later after a pending deposit. They have no right to hold your funds this long for a pending deposit. That's directly from your company. This makes XXXX sense as to why this is been hold so long. There's no overdraft involved. The question is. Who give you the right to do this. If anything illegal to this nature. I will personally have my team to be investigating. It's always something with this bank overall. It's not your money to distribute to me. It's my money. And I don't owe you XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Thousands of dollars went missing shortly after opening a checking account with Wells Fargo national bank XX/XX/XXXX. on XX/XX/XXXX I received a notice for collection because my account was closed with Wells Fargo and I was indebted to them for {$310.00}. I am unable to open a checking account with any bank because of this. 

I noticed several issues when I opened my checking account. 
1- I was pressured to open a savings account as well at the time of opening my checking account. I never wanted a savings account, yet the employee opened one anyways. 
2- I was unable to access my account for at least a week after I opened it. When I inquired - the response I received was that the online system is down and I would not have access to my account. 
3- During the period my account was open, I noticed my address listed on the account was an old address when I used to live in Ohio XXXX However, I opened this account in Florida and have n't moved back since. 
I believe there was grave mismanagement of my account by Wells Fargo and I am requesting an investigation. This mismanagement has caused my account to incur overdraft fees because of bounced checks, late fees, and overdraft fees. 
My repeated requests to Wells Fargo went unanswered.
Product: Checking or savings account

Wells Fargo charged me multiple overdraft instead of 1 overdraft. 

Example : when auto payment for my car note of {$500.00} went through and caused my bank acct to be negative, instead of charge {$35.00} overdraft fee for that car note transaction, Wells Fargo charged me {$35.00} for each for other items that when I made the purchases my account wasnt negative.