23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.
Product: Credit reporting

I have disputed an account with XXXX and the credit agency kept it on my credit. XX/XX/2016 experian sent me an email stating someone used my information to obtain a cell phone and therefore they would remove it off my credit and offer credit monitoring.
Product: Debt collection

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX and XXXX XXXX Open Date XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account with {$6300.00} XX/XX/XXXXXX/XX/XXXXfor no reason on XX/XX/2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Product: Vehicle loan or lease

We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly. 

In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account. 

I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.
Product: Mortgage

Have power of attorney, faxed modifcation and loan assumption and loan see paperwwork! Finally i get mail, not sure why a sale put if all paperwork in, call and goes to voice mail and CAN NOT get to another REP! WHY should be albe to talk to someone! My cousin XXXX at XXXX has authorization and been helping me! SOMONE PICK UP PHONE and have sent three different packages!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year>2007 {$12000.00} XX/XX/scrub> 2007 {$8600.00} XX/XX/scrub> 2007 {$3600.00} XX/XX/year>2007 {$3000.00} XX/XX/scrub> 2007 {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Bank of America regarding a grave and ongoing issue concerning their reporting of a fraudulent charge-off account to XXXX and XXXX XXXX  XXXX XXXX This situation has not only caused me undue distress but has also resulted in a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

The crux of the matter lies in Bank of America 's egregious mix-up of a fraudulent business account, purportedly opened in my name sometime in XXXX, and an entirely legitimate account that was mine, opened in XXXX. The timeline of these accounts is drastically inconsistent, and Bank of America 's lack of due diligence and attention to detail is painfully evident. The fraudulent account in question bears the ending digits " XXXX '' and was closed without a balance, which only reinforces the fact that Bank of America has erroneously intertwined these two accounts. 

I have made repeated attempts to rectify this situation by reaching out to Bank of America on multiple occasions. However, my pleas for assistance and clarification have fallen on deaf ears. Bank of America 's disregard for my concerns is not only frustrating but also unacceptable. 

Furthermore, Bank of America 's actions go beyond mere negligence ; they constitute serious violations of both the FCRA and the GLBA. Under the FCRA, it is explicitly forbidden to report fraudulent information on a consumer report. Bank of America 's inclusion of the fraudulent charge-off account on my report is a direct violation of this statute. 

Additionally, the GLBA mandates that financial institutions safeguard non-public private information. Bank of America 's reckless handling of my personal information, including my name and social security number, by furnishing it to third-party entities such as XXXX and XXXX XXXX  XXXX XXXX XXXX blatant violation of this act. 

I have attached all relevant documentation and evidence to support my claims with this complaint. I wish to make it unequivocally clear that I will pursue legal action if Bank of America does not take immediate corrective measures, including the removal of this erroneous information from XXXX and XXXX XXXX XXXX. 

It is worth noting that the Consumer Financial Protection Bureau recently took decisive action against Bank of America for various financial transgressions, including the illegal imposition of junk fees, withholding credit card rewards, and the opening of fraudulent accounts. The fact that these actions mirror the very same issue I am currently facing is deeply concerning and emphasizes the need for immediate intervention. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly, take appropriate action against Bank of America, and ensure that my rights as a consumer are upheld. I appreciate your prompt attention to this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXXXX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$21000.00} XXXX XXXX XXXXXX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB XXXX According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Checking or savings account

My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. 


I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Product: Checking or savings account

On Tuesday XX/XX/XXXX Chase bank placed a restriction on my checking account. When I went to the find to find out why, I was told because I have {$1000.00} XXXX grant was deposited into my account. I was told to get a letter from a CPA or an Attorney, I do search for some CPA online and Its hard to get one to help me write a letter because I was told I couldnt pay them. I letter met with one CPA that help me to write this letter free without asking me to pay for  his service. I went to the bank to give them this letter, I also included my 1099 from both companies I delivered for, tax documents for year XXXX, a letter from XXXX stating Im an XXXX XXXX delivering for them and recent commissions pay slip I screenshot on my phone. I gave this documents to the bank but I was told they cant lift the restriction on my account because the CPA didnt add the I was still doing delivery works as at XX/XX/XXXX. I explained to them at the bank that aside from the letter I gave you list of different documentations that shows I was delivering as at XX/XX/XXXX and I believe they should be able to work with that but they insisted at the bank that I need to get another letter from the CPA. I went back to the CPA, the CPA secretary told me her Boss wont be able to add time but he can write a new letter, in the new letter he said I was delivering recently, I cant complain because I wasnt paying the CPA for his service. I went to the bank with this letter, the Bank rejected this letter. 

I will explained below why Chase bank put my account on restriction. 
I applied for XXXX loan as XXXX  XXXX with XXXX   and XXXX, The XXXX sent a grant of {$1000.00} into my account but the loan I applied for wasn't approved but Chase bank has to put a new restriction on my account because of this {$1000.00} the XXXX sent into my account. I have 1099 for both XXXX and XXXX. I started doing delivery for both companies since XXXX, I do this full time. All through XXXX I delivered for both companies. I also delivered for both companies year XXXX XXXX and XXXX because of the pandemic in XXXX I got another regular job and delivered for XXXX on a part-time based only. I have 1099 for both companies, and I also have compensation payment information for year XXXX, I also have tax return document which I filed this year that shows I have was delivering for both companies. 
I attached my 1099 from both companies I delivered for, recent compensation slips I screenshot from my phone, two letters from CPA and letter from XXXX. 
One of the document I attached has password- the password is- XXXX
Product: Debt collection

As of XX/XX/2023 I wrote a letter of dispute to the company Hunter Warfiled. 
This company violated my consumer rights and the information is inaccurate. This company also violated my privacy without my consent. Hunter Warfield is also in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
Product: Student loan

I have already applied for discharge for this loan. See complaint XXXX. This loan should be discharge under the " fruit of the poisonous tree '' statute. This original loan was a part of a lawsuit that has granted the discharge of loans associate with the defrauding of the borrowers. Regardless of it being now private, this should be covered under the above statute. I will be suing PenFed if this is not discharged.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file.

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$20000.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} INQUIRY : XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX  DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX  DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX  DATE OF INQUIRY : XX/XX/XXXX INQUIRY : AXXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXXXXXX  DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX  DATE OF INQUIRY : XX/XX/XXXX INQUIRY : XXXX DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Product: Credit card or prepaid card

Wondering if i am able to deposit a check I received on to my XXXX XXXX digitally by taking a picture of the check
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX has reported 8 late payments on my account. 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 : 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.

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

Yesterday XX/XX/2018 I recieved a phone call in my neighboors land line ( not even I know the number ). The operator called about a car loan from FirstBank in Puerto Rico. 

I had preciously contacted the bank about my financial situation following Hurricane Maria since the car was purchased as a working vehicle for XXXX. With cero electricity for months and thus no cellular connecticity, this was impossible as XXXX shut down operations. 

The operator from XXXX XXXX, located in XXXX XXXX Puerto Rico ( XXXX ) not only contacted a third party without my consent, but also threatened to report the car as stolen and said twice that I was asking for blood. I also have a voice message with her threatening to proceed, without any further explanation whatsover. 

She refused to give me her full name and only identified herself as XXXX XXXX. 

Therefore, as instructed, I am submitting this complain and look forward to receiving a complainy number as I wish to contact FirstBank to negotiate the debt. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  has reported a fraudulent debt for the past years and has refused to resolve to issue as reported the account was opened XX/XX/year>. This account conflicts with the time I was a resident at XXXX XXXX XXXX XXXX XXXX, IL XXXX That lease started XXXX This account was opened prior to me living at the address and does not belong to me. This account has been flagged as fraud and ignored and this account has been flagged to be investigated and also ignore