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

XXXXUSC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish your 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 items of information, other than records of conventions 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: Checking or savings account

PNC closed my account without knowledge and no letter or anything. When I was aware of the closing of my account, I wasnt allowed proper time to remove my direct deposit, accounts automatically drafted from my account, and current disputes. They also shut my debit card without knowledge and when I went in person and contacted customer service they never mentioned anything about my account being closed. 

All I had previous disputes that were over {$3000.00} money that was fraudulent taken out my account from XXXX ( XXXX ) that I didnt authorize. And when I contacted the bank numerous times during the time period asking if funds were taken out my account from XXXX or XXXX because they had taken money from my credit cards and I was informed by customer service that it wasnt. Also I was XXXX  for XXXX months in XXXX  with XXXX  XXXX and multiple XXXX  and Im permanently XXXX. It was also other merchants who had taken money out my account that I didnt authorize and it was fraudulent activities. 

Im completely frustrated how PNC has treated me and I believe its due to racism. I respond to how they treat me. They have been unreasonable, unprofessional, and unhelpful along with being liars. 

Closing my account without informing me in enough time, sending my check deposit back, etc caused me late fees and issues with my other accounts that come through my account every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/XXXX-XX/XX/XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxx Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX, has violated my rights. 


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

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

In accordance with the Fair Credit Reporting Act : Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # 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 an account without my written instructions
Product: Debt collection

All the collection bills they are changing the dates to a sooner date and not the date the bill was actually made their double collecting from me from XXXX separate collection bureaus on the same exact bill, so that they can renew the amount owed and reestablish a new date. Trans Union also found out that I have sent a complaint and do you and right after the complaint was made, they decreased the amount of points on my credit bureau because I sent in a complaint about them. You guys really need to monitor Trans Union because theyre playing games with peoples lives because they dont like the fact that people are turning them in TransUnion needs to have all their accounts and paperwork to be collected and shown because they are ripping the public off. Its just like XXXX because of the fact that I no longer have an account being paid straight to XXXX. They also decreased the amount of my points because of that reason, this is a total rip off to the public. I thought you guys were supposed to monitor these people and evidently youre not doing your job either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 
FRAUDULENT 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
Product: Mortgage

It has now been over 30 days since our 2 loans were paid in full to Bayview yet we have not received the return of our escrow funds. They owe us over {$17000.00} and they are not answering their phones. NOTHING gives them the right to keep my money.
Product: Credit card or prepaid card

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


AMERICAN EXPRESS is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Product: Credit card or prepaid card

I was scammed by a person that was supposed to help me pay my credit card off. He gave me this bank account information and told me which amounts to take and pay off my card. The first payment he had me pull from the account was {$3700.00}. The second payment was {$1000.00}. He wanted me to buy 10 XXXX gift cards with the last payment that was posted on my account. When I questioned him, he got angry and told me he also needed steam cards and a cash advance. A couple of days later the payment was reversed. I told him Chase could not find the funds. He called Chase a liar. I called my bank, Chase, to tell them that I got scammed and that the payment may not go through and wanted to cancel the payment. The call was placed on XX/XX/18 around XXXX. The rep stated she would note the account and I would only have to pay a reversal payment fee. The rep did not note the account but there is evidence of the call and she was looking at my account at that time. My Chase Freedom credit card got closed XX/XX/2018. I have talked to three reps at Chase since and they all told it that I was committing fraud and I could not get my card reinstated. I have emails and text messages as proof. If I was a criminal, I wouldn't be in debt. The scammer 's bank account is with XXXX XXXX. I looked online and I am not his only victim. Apparently, they are located in XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain housing and credit.
Product: Credit card

I purchased a XXXX XXXX XXXX dishwasher and professional installation of the dishwasher from merchant XXXX XXXX via their website XXXX  on XX/XX/XXXX. My American Express credit card was charged {$960.00} and the charge appeared on my XX/XX/XXXX billing statement as THE XXXX XXXX # XXXX XXXX FL. 

On XX/XX/XXXX, the dishwasher was delivered and installed in my home. However, the dishwasher that was installed was a black and steel/gray dishwasher that was not the machine I ordered nor did it match the photos of the dishwasher on the merchants website. After the technicians refused to return the dishwasher to the store and re-deliver the correct item we ordered, I contacted XXXX XXXX customer service for assistance. 

From XX/XX/XXXX to XX/XX/XXXX, the XXXX XXXX XXXX led me to believe they had every intention to re-deliver the correct dishwasher which I ordered or refund me for not having received the dishwasher I ordered. However, the merchant refused to re-deliver the correct black dishwasher and did not offer to correct the billing error of {$960.00}. 

I sent credit card issuer American Express an official letter to dispute the transaction since I did not receive the item I paid for as described and photographed on the merchants website. The letter was sent to American Express Billing Inquiries Department on XX/XX/XXXX vis USPS certified mail with return receipt requested and the letter was received and signed for by American Express on XX/XX/XXXX. 

Although the dispute letter contained extensive and conclusive evidence that I did not receive the dishwasher I purchased from the merchant and although it was received by the merchant on XX/XX/XXXX, as of XX/XX/XXXX, the billing error still appears on my credit card statement. The merchant XXXX XXXX did not acknowledge my dispute in writing within 30 days of receiving it as they are required to do so under the Fair Credit Billing Act nor did they complete a reasonable investigation.

Please direct American Express follow the Fair Credit Billing Act by acknowledging my dispute and by investigating the billing error which has not yet been corrected. Please also inform American Express that if they deny my billing error inappropriately or without conducting a reasonable investigation, I intend to file a lawsuit to enforce my rights. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my XXXX XXXX XXXX last XXXX, maybe around XXXX, at XXXX XXXX in XXXX, CA and I have submitted a loan request to XXXX. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from XXXX and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX  and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and XXXX confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.
Product: Debt collection

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY My problem is with the company Quicken Loans Inc. The company is reporting to me in the three credit  companies XXXX, XXXX and XXXX that the payment for the month of XX/XX/XXXX was not made before XX/XX/XXXX. The payment was made on XX/XX/XXXX. Quicken Loans alleges that the bank rejected it. I reject it because they sent it to the account of the XXXX XXXX that account is closed and I let them know. They say that after they sent him to the correct bank and he was cashed on XX/XX/XXXX. I'm not to blame for the mistakes of Quicken Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged with simple assault a few years back, and I have gotten it expunged off my recored. I have recently been employed with XXXX XXXX at XXXX XXXX, and have been in training for a few days now. My XXXX  XXXX contacted me saying that I could not continue with my job, because something was showing on my record. I thought I had everything correct with my record a few weeks ago. I really need this job for my child. I am a single mother that has to support my kid.
Product: Mortgage

I had been pre-approved for an FHA Loan with Amerisave Mortgage and we started the certified approval process. The lender XXXX XXXX sent out VOE 's to my present and past employers which is fine but then he followed up on a separate email with me and both the past and present employers payroll on the same email - sending them all of the email threads we had with my wages from both employers in that email. On top of that the old employer now knows where I currently work and I was harassed while working there and since I left they have harassed me. 

Now I have to worry about the harassments to me and my new employer from the previous employer. and possibly loose my new job. 

Amerisav toldl me the only resolution is to use the lender that messed up everything or go to another bank. They won't give me another lender even after I have paid to lock my rate in and this lender messed up big time!.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. 
x A copy of my Identity Theft Report and proof of my identity.

x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

I am in the Military, and I have an account with USAA. In XXXX I was trying to use my debit card but was blocked. The bank told me that was blocked because someone typed multiple times the 4-digit code. After that I saw a transaction for XXXX on my account that someone did it at XXXX XX/XX/XXXX. The USAA bank sent me another debit card that I never get it. And again, someone used the new card to take XXXX from my account. I call couple times the bank because the person that is using the card is using the XX/XX/XXXXXX/XX/XXXX. I decided to not put money on it until the issue get resolved. In XX/XX/XXXX the USAA bank decided that the transaction was not a fraud, and it is telling me that I have to put XXXX on my account. At this point I explained to them that I did not complete the transaction, and I should not lose my money just because they are not investigating enough. I am with USAA since 2012 and I requesting your assistance to resolve my situation.
Product: Checking or savings account

I received a notice of a negative balance in one of my checking accounts and when I transferred funds from my savings to cover the negative balance Chase didn't display/present my accurate balance on the mobile app and is aware of the mobile app having balance accuracy issues abd that the system glitches from time to time. 

I took screenshots of my balance before and after the transfer because this has occurred multiple times and I wanted to document the process and Chase fraudulent activities. Chase call ref # XXXX for recorded call. Please request screenshots for evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.