23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Product: Credit reporting or other personal consumer reports

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

. 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 ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Credit card or prepaid card

In XXXX I noticed a {$1000.00} withdraw on my Bank Of America XXXX unemployment debit card. The withdraw was made by " State of CA XXXX unemploym ''. I contacted XXXX who stated this was a a problem with the bank who owns the XXXX card ( Bank Of America ). I contacted Bank Of America and the police to report the fraud. Bank of America had me file a claim ( claim # XXXX ), deactivated my card and issued me a new one, and temporarily returned the {$1000.00} to my account. On XX/XX/2020 I received a letter from Bank Of America stating the claim had been closed bc the account or the claim have been subject of fraud or suspicious activity. On XX/XX/2020 they took back the {$1000.00} they had temporarily returned. I have tried to call Bank Of America numerous times to understand how and why they reached this conclusion. Each time the hold times are insanely long ( 1-3 hours ) and upon getting transferred to an agent I am either disconnected, transferred to the wrong department, or told I would be called back. I have not been called back and no one from Bank Of America has been able to assist me in understanding why {$1000.00} was taken out of my account and how Bank Of America is deeming this " suspicious '' activity. These are unemployment benefits that I need during this time. I do not know what else to do to get this addressed. On XX/XX/2020 I submitted a claim on this site ( complaint ID : XXXX ) the company sent me various letters saying they were working on the case and needed more time but I never heard anything back.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a cash advance from XXXX in the amount of XXXX. The outstanding balance is XXXX. I was unable to settle the balance at the time of the due date because I lost my job. I am currently unemployed. I submitted a revocation of ach and/or debit authorization to XXXX on multiple occasions. There is no way for me to speak to anyone over the phone and I can't get through to anyone in the " chat ''. The only I'm able to contact support is by email. I received email confirmation that I would no longer be subjected to ACH transactions. However, they still continue to process ACH transactions, and according to my bank they've made multiple attempts to debit my bank card. I specifically asked to cease all transactions in which they use my banking or debit card information. They continue to process ach transactions with the most recent leaving my account in the negative. Furthermore, none of those transactions are going towards the outstanding balance. Please see attachments.
Product: Checking or savings account

I was the victim of XXXX fraud in the amount of {$5000.00}. Chase bank did not insure the loss because, the transaction ( s ) was processed according to information you provided or was authorized. 

I obviously disagree with this finding, having lost {$5000.00} through fraudulent means, but it also seems that the CFPB would disagree with that finding as well. 

After reading through Provision E and exploring the FAQ sections, I am convinced that Chase made an error in interpreting what it means to provide information and what is considered authorized. 

From the CFPB FAQ section regarding the above. 

" an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' Also considered an unauthorized EFT is " when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account. 

Furthermore, banks are NOT consider a consumer 's negligence when determining liability for unauthorized electronic funds transfers. '' Attached is the exact information I faxed to Chase on XXXX XX/XX/2021 Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( sections 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Product: Debt collection

I originally opened an account with XXXX XXXX  which I had credit applied and made payments to.. this debt was sold without my knowledge after I made payments that doesnt reflect in the amount that was owed. I agreed to a settlement for partial cost and now this company is saying I owe them.. it was paid
Product: Debt collection

in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) XXXX XXXX XXXX is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to XXXX XXXX XXXX. 

please provide and produce the following! 
.a contract that i have with XXXX XXXX XXXX to show i have any business to discuss. 
.total amount the Debt was sold for .audit trail for full accounting on and off ledger. 
.Name and address of the original creditor
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am making a fraud complaint regarding wells fargo bank I requested information regarding checking accounts. And to make a complaint regarding accounts being opened in my name. I received {$300.00} for account fraud of over {$700.00}. I did not receive paperwork regarding complaint on new account opening XX/XX/XXXX ( I got an email verification regarding account ) And did not receive any other documents regarding the rest of payments owed. I was told accepting {$300.00} payments will not interfere with full payment owed from monies taken from account. I never received paperwork was told on XX/XX/XXXX to walk inside the nearest branch for assistance when that is impossible given the fact I no longer have an account or account number
Product: Credit reporting or other personal consumer reports

I XXXX XXXX disputed debt collector XXXX XXXX XXXXXXXX number XXXX through CFPB, I asked for CERTIFIED mail receipt with my signature notifying me of the debt. I highlighted their response, and failing to notifying me in 5 days which is a violation, ( no certified mail receipt with my signature ). also this alleged debt has address that I have no association with, also a violation. please reinvestigate and see attachment below. due to failure of investigation, with my finding. if you have any question please email me or contact me at XXXX
Product: Debt collection

A judgment was issued against XXXX XXXX XXXX XXXX by XXXX XXXX labor comissioner on XX/XX/2019 and the writ of execution was issued on XX/XX/2019 by the XXXX XXXX courthouse. the writ of execution was served to the Wells fargo Bank in XXXX branch on XX/XX/2019 in the amount of {$3000.00}. Usually they have 10 days to respond but its been 18 days and I have got no response from the bank.
Product: Checking or savings account

Bank of the West XXXX, NM CD Account number XXXXXXXXX opened on XX/XX/XXXX. The CD was opened as a 3 Month Maturity Date of XX/XX/XXXX. 

What happened : On XX/XX/XXXX I opened a Certificate of Deposit for {$100000.00} through Bank of the West XXXX XXXX, XXXX Branch Manager at XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Direct XXXX Fax XXXX Email XXXX Documents on Hand : I have the original certificate document from provided by MrXXXX XXXX XXXX from Bank of the West for the CD as it was issued on XX/XX/XXXX. However, the CD was never funded, the funds were never deposited to this CD. As of today, XX/XX/XXXX, the CD account today shows a XXXX balance and Bank of the West will not tell me why or how the funds were disbursed. 

Complaint to Bank of the West : On XX/XX/XXXX I called Bank of the West main telephone number XXXX and issued a complaint about Fraud due to the funds never deposited to this CD on XX/XX/XXXX to an Escalation Manager named XXXX employee ID XXXX. She could not understand what happened or where the funds were disbursed and was going to escalate to the Regional Manager. The Regional Manager never called. In addition, my online access to this account was denied to print additional documentation. 

Please help.
Product: Credit reporting or other personal consumer reports

I have downloaded the entire history of my student loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Sallie Mae is not listed on there at all. I have never had a Sallie Mae loan, I have never cosigned a Sallie Mae loan. 
I had no idea they were lying until I filed for XXXX and was told I didn't qualify because I have no loans in default, arrears, or charged off. They immediately got me in contact with XXXX who told me I have never had a Sallie Mae loan. 
I then filed for, and was approved for, XXXX which took exactly 10 minutes to consolidate all my loans over to XXXX, and receive confirmation. 
I was finally able to get a download of the list of every single one of my student loans I have ever had in my life from XXXX, and Sallie Mae is nowhere on there, just like they told me on the phone. 
This is fraud. It needs to be removed immediately.
Product: Checking or savings account

On   XXXX    XXXX ,2017. I made a Atm cash deposit at the   XXXX   XXXX    Atm outside the branch in the   XXXX   XXXX  . I made a cash deposit of {$360.00}. After I made the cash deposit a message across the machine. Telling me that it was experience difficult and can I please enter the amount I put in.I did! The machine told me to call this number  XXXX . After I try to go back and take {$180.00} out the machine after I made the deposit. Then the machine print the number again.Then I try to uses the Atm machine inside the branch then it was telling me the same thing. I called the number immediately. I have been going to the bank and calling everyday. They keep giving me the run around.I spoke to the fraud the department on   XXXX     XXXX  ,2017 they told that the Atm machine was jammed and they would give back me {$67.00} which they did on   XXXX     XXXX ,2017. At first told they only seen the {$300.00} but not {$67.00}. On three time different people had told me to come the branch to pick the money up. They have had my {$300.00} on hold ever since. I was told on   XXXX    XXXX ,2017 that I had to do another claims. Which I did. I also explain to them that I have receipt for the $  XXXX .I call back on  XXXX   XXXX ,2017 They declined my claims an said they have investigate. They also closed my account for this reason but it was n't my fault. They told it was fraud activities. I told understand why if I have a receipt. I also call my attorney.
Product: Credit reporting or other personal consumer reports

XXXX : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer incorrect - XXXX XXXX XXXX XXXX XXXX  Correct Employer - Employed by XXXX XXXX XXXX, Equifax : Old and incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Correct Employer - XXXX by XXXX XXXX XXXX XXXX XXXX : Old and XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Incorrect Employer - XXXX XXXX, XXXX XXXX XXXX Correct Employer - Employed by XXXX XXXX Consulting Personal Statement - Old from 2004 needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE
Product: Credit card or prepaid card

Second complaint I am not able to access either online or through the app with Capitol One because I don't have a phone number in my name. The lie of a letter they sent was false. Force them to show proof not just send a prepared letter. They are reporting the wrong address for me which I will start recording all calls with the company moving forward for my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all have 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I provided a mechanic with my credit card details in order to release my vehicle. The vehicle had been housed for one night, with minimal diagnostics done and estimates given or billable repairs authorized. He charged my card {$1000.00}. I filed a police report immediately, reported the charge as fraudulent, and have been disputing for 10 months. After escalating the dispute as far as possible, I received a letter from the Chase executive office today saying they had " thoroughly '' investigated, and based on materials I'd provided ( they never requested any materials from me, though I made numerous attempts to provide them with documents ) they still found the charge to be valid and would not be investigating any further. 

They have allowed fraud and crime to occur without any justification for why they'd do so, and have illegally withheld my funds for the better part of a year.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX
Product: Checking or savings account

i made a promotional purchase on line and paid XXXX for the product on XX/XX/2022 but was emailed four aditional charges of XXXX and XXXX dollars all showing i purchased XXXX XXXX XXXX i contacted the company and was not able to get a response.
Product: Money transfer, virtual currency, or money service

td bank was not allowing me to access external applications so i was not able to transfer bitcoin into usd into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX FCRA violatons remove the address so mail with my personal information will not get in the wrongs hands remove employer : XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX A {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX  Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % remove unauthorized inquires please correct the address : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Product: Checking or savings account

Dear Sir/Madam, I recently opened an Adv Plus Banking checking account in XX/XX/2019, with a promotion bonus opportunity of {$100.00} at the moment of signing-up. Then I made multiple $ XXXX direct deposits into this account in XXXX. However, I still didn't receive the {$100.00} bonus as described in the letter I received for the bonus. So could you please investigate this issue and send me the {$100.00} bonus? 

Thank you very much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}. 
Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both XXXX and Transunion are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected:XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX