23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX claiming to be a representative for US banks fraud department called and actually called from US Bank frauds number and asked if I had a charge out of state I said no they proceeded to take me through XXXX supposedly to give me back my money but instead they took it out of my account. XXXX and then XXXX and then XXXX. XXXX was taken out of my savings account when what I thought they were doing was getting my money back as they stated. They did this using XXXX which I had never used before.I sent in the proper requirements so they can investigate and refund my money. They sent a letter stating that they were not going to refund my money. My local bank manager again sent them a letter stating this is fraudulent and please investigate again they again sent me a letter saying they will not be refunding my money back. My problem is someone called representing US Bank and the number they are calling from is US banks fraud dept phone number. XXXX is part of us banks company. I have looked into this and I am not the only one this is happened to .There are four different banks using XXXX and this has happened to customers using these banks by going through XXXX XXXX I hope this can be resolved thank you for the time it takes to read this.
Product: Credit reporting or other personal consumer reports

Recently, I noticed an unrecognized collection account on my credit report. The account in question is with XXXX XXXX, with an account number of XXXX Under the Fair Credit Reporting Act ( FCRA ) of the United States, Section 1681i ( a ), I have the legal right to the accuracy of the information contained in my credit report. Furthermore, in accordance with Section 611 ( a ) of the FCRA, credit reporting agencies are obligated to investigate and correct any inaccurate or unverifiable information in my credit report. The presence of an unrecognized collection account is in violation of these fundamental rights. I do not recognize this account, and its inclusion is harming my ability to obtain credit and lead a stable financial life in this country. I respectfully request that this collection account be removed in accordance with the FCRA. Additionally, under the United States Consumer Protection Code, Section 1692g, I have the right to request debt validation and to dispute any incorrect information provided by the collection agency. The failure to take action by the credit bureau would constitute an additional violation of the FCRA and the Consumer Protection Code, and could result in further legal action pursuant to Section 616 of the FCRA, which provides for damages in cases of non-compliance with the obligations of credit bureaus.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, Experian due to the debt that is showing on my credit report is not mine. Experian denied to follow up with the investigation. I recently was notified that the CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, and failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove nor correct any information. I'm requesting I am requesting this derogatory remark to be removed or corrected immediately as it is affecting my chances of getting an apartment. Experian violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

In XX/XX/2017, somebody used my debit card and spent money at a XXXX 's XXXX, as well as a XXXX. I reported these charges immediately and was refunded by Bank of America. A few months later, I received another charge from XXXX. This charge was much larger and based off online research, I assume it's because the person who used my card never returned their XXXX   rental ... so I was getting charged a no return fee by them. I called Bank of America immediately and let them know XXXX has charged me again. They reversed the charge. Then the next month, XXXX charged me again. I call Bank of America, and just like last time, they reverse the charge. Skip to the next month, and XXXX has charge me yet again. Clearly this issue isn't being taken care of. On top of that every time XXXX charges me and Bank of America reverses it, Bank of America insists on sending me a new card ... leaving me cardless each time for about a week. 

This had to have gone on 4-5 times. The last time I spoke to Bank of America, we actually conference called XXXX together and spoke to a representative there who said he was closing the account and making a note that I was a victim of fraud. They stated no more charges should go through. 

Now I write this because this past weekend, Bank of America sent me a notice stating my claim has been denied and they took the XXXX money ( {$75.00} ) back out of my account. Both these companies have allowed someone to just straight steal money from me and I don't know what else I can do at this point.
Product: Checking or savings account

Wells Fargo opened a bank account in my name to meet quota I never have stepped foot in Wells Fargo bank they need to delete all accounts under my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is being reported as a charge off on my experian consumer report. I never received any notification of this collection. Furthermore, according to the IRS a charge off is considered income. Why is experian reporting income on my consumer report? A charge off cant be considered both income and debt. This is illegal and Im requesting for it to be removed immediately! I will also be filing a FTC complaint regarding this matter
Product: Credit card

whom it may concern I am writing this note to ally credit card in response to my recent most recent credit card statement that I received in the mail stating that my account my account is getting ready to be charged off I have tried to explain this to you people several times and you dont listen and its gone on deaf ears I filed complaints with the XXXX XXXX XXXX  only to receive a very nasty letter back to me stating that these charges would not be removed and they would continue to report this to my credit my credit my XXXX account was hacked at some point back in the summer an unauthorized charges were made to this card and and I called in to complain and reported this and reported that I had lost my card and that the card on file that XXXX had on file had indeed been hacked and somebody had made some purchases and charged this credit card I also at the same time had made some purchases from XXXX XXXX had returned those purchases because there was some damaged merchandise and I was given credit for those charges but there were also some other charges on there that were fraudulent charges I had evidence from XXXX because they closed my account out and said there was fraudulent activity on the account and they closed my account out and they told me I would not be responsible for those charges that were incurred I have tried and tried with you people to get this charges removed from my account to no avail and you youre telling me that theres nothing you can do even though Ive submitted on numerous occasions evidence showing that the account was hacked and that the account was closed by XXXX for fraudulent activity and showing you the letter from XXXX stating that I would not be held liable for those charges because theyre fraudulent I need to get this issue addressed Id really like to keep this credit card but I have no intention of paying this balance because this is not my balance I did not make those charges I have tried with in good faith Ive complained nobody seems to wan na listen so maybe I need to turn this over to an attorney and have the attorney write you guys a letter and then maybe you will listen to me. I did not make those charges my XXXX account was hacked and I have sent documtation I want these charges removed from my account I did not make them and I do not owe them.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report. 
This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts have been identified as fraudulent and must be removed : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

This issue is against COINBASE. I have had an account with them since XX/XX/2015. Recently, about 3 months ago they decided to lock my account with over 8 btcs ( XXXX USD value ) and give me no reasons. I have re-submitted all my documents, proof of address, ID etc. and they have gone silent and have not answered my in over 1 month. I do not know what to do at this point. They have most of my funds and I desperately need them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # 1 Capital One Auto Finance XX/XX/2016 XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this mulitple times and have sent everything that TransUnion has asked even their own report seen below and they have yet to respond to the matter i want these things deleted off my report immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter. Also, Account Name XXXX Account Number XXXX ive reported is to be identity theft and need to be deleted off my credit report
Product: Money transfer, virtual currency, or money service

I was a beneficiary of a IRRA held through XXXX XXXX, specifically XXXX XXXX XXXX XXXX. After inheritance tax was paid and the XXXX  XXXX  XXXX  obtained, I began the paperwork process of moving from XXXX XXXX XXXX to my financial institution. XXXX provided one form initially in XXXX of XXXX  however after submission we were required to modify this form at least three times with additional information they did not inform me I needed including bin # s and medallions. This process has included telephone calls and a paperworrk trail. NO RETURN PHONE CALLS from XXXX XXXX XXXX were EVER recieved. SIX months following my initial transfer request- I have NOT YET received the distribution.
Product: Checking or savings account

The bank has stolen about XXXX usd dollars out of my checkings account without notifying me or without permission for no reason at all. I need my hard earn money back immediately and i want this resolved. The bank was TD and i also would want an investigation behind the scenario. I need my money back!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX continue to report inaccurate wrong? fraudulent information to my consumer reports. I've reach out to the directly to explain and attempting to correct the error. However I continue to get the run around and my issues continue to fall on deaf ears. The Following accounts are a result of ID Theft or inaccurate reporting : XXXX. XXXX XXXX XXXX ending in XXXX was paid in full. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX  XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX XXXX XXXX XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX ending XXXX is a result of fraud / ID theft. 
XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud / ID theft.
Product: Vehicle loan or lease

Today I received a letter saying I'm in default but I make my payments on time. This is also the company that changed my loan when I was at the dealership I was told my vehicle was {$8000.00} payments 3 years but I paid {$1500.00}, making my amount owed less, they and the motorvation did a bait and switch for a vehicle that has XXXX miles now they are reporting to the credit bureau I'm in default I want my credit back and credit for my loan they switch up
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXL XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that my credit score dropped significantly approx. same time Experian had a breach. I have always had EXCELLENT credit as it is part of my job requirements, for 30 years! I saw that XXXX was reporting a charged off amount {$23.00}, the only loan I EVER had with them was a car loan which I took out and paid off early, and received my clear title in the mail. I wrote letters to XXXX  but they said they never received them, Experian said that all they did is report what XXXX told them to and XXXX told me 2 months ago that this was a mistake on Experian 's end and they would help me correct it. I also had to write a letter to XXXX and fax to them so that they could get Experian to correct it. I did that and no response again from XXXX, I called and they told me they'd send me a letter, never got it, called again and they emailed it to me. The letter stated that they investigation was correct and I could take this up with Experian, Experian tells me to take this up with XXXX, I am being led on a wild goose chase and I WAS NEVER LATE on any payments with any Loan or credit card company. I have spend over 1 1/2 years on this and I need some help. I have also been included in a class action lawsuit against Experian for the breach and incorrect information on my report. XXXX has turned out to be inconsistent with their help and facts. I need help please. I will attach the documents.