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

This is not a duplicate nor is this complaint being filed by a XXXX  party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened XX/XX/16 XXXX {$750.00}. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXXXXXXXXXX XXXX XXXXl law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX.. and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Debt collection

Rash curtis and associat. 
XX/XX/2017. 
{$350.00}. 

Rash Curtis and associates. 
XX/XX/2017. 
{$200.00}. 

This debt has been paid by the insurance company at XXXX XXXX XXXX. 
This is an invalid claim. 

I've contacted rash Curtis and Associates and asked them to physical email copies of these bills and they refused. They only offered to email copies of the bills. I will not divulge my email to a harassing credit agency like this. I want these removed from my credit report it immediately until we can go to court and get this harassment stopped once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXX proof that these accounts were not investigated properly thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX XXXX Equifax I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including XXXX, Transunion and XXXX and they have not remove this false and inaccurate information.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed there are some things that are still incomplete and not accurate. This is my XXXX attempt to get this issue rectified. The payment history chart is showing CO multiple times in a row which is against the law as it restarts the time for removal. 

Account XXXX - XXXX 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. and according to 15 USC 1681s-2 they are not to 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. 


Please remove account from my credit report as it is hurting my ability to obtain new credit. Thank you!
Product: Checking or savings account

On XX/XX/23 I attempted to make a deposit into a usbank drive up ATM machine. The machine initially wrinkled the money and spur it back out. I then resubmitted the money. The machine then froze and stated processing transaction for about XXXX minutes. Then returned my card.but not the money. The machine then turned off tv gem reset and stated a .escape this machine unable to accept deposits. I took a picture of message. Online banking showed no history of the deposit. I tried calling the bank but was unable to reach a person and was disconnected XXXX. Tines. I then clef the fraud department and wS told there was no history of me bend at the ATM. However my GPS and phoneog can prove otherwise. I was told today my claim was denied. I know there are cameras at arms. I've been an unproblematic customer for over XXXX  years. I've filed a puce report regarding this matter also. My account is now overdrawn and I'm experiencing financial hardship due to this transaction. I don't feel that worth today 's technology there isn't a record of my transaction and footage of the issue. I was told my claim was denied but I must wait XXXX to XXXX business days for a letter to tell me why. All while I'm being charged overdraft fees and having my bills returned annd will assessed additional fees and possibly have my services disconnected. All while receiving no explanation for a large financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Acct Name : XXXX  XXXX # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name XXXX XXXX XXXX # XXXX XXXX XXXXXXXX : Acct Name : # 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Checking or savings account

My partner and I opened a new checking account at PNC Bank online on XX/XX/XXXX. 
We completed an electronic transfer {$1000.00} each from our respective checking accounts at XXXX  XXXX XXXX and XXXX XXXX XXXX on the same date. 
As of today XX/XX/XXXX, the {$2000.00} we transferred to this new PNC checking account have not been made available to us. 
And, as of XX/XX/XXXX our access to the account on line has been revoked. 
We have made multiple phone calls to their customer care, and retail service departments as well as personally visited two of their branches, XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX, and XXXX XXXX branch in XXXX XX/XX/XXXX without any results, or explanation for the hold. 
As of today, PNC bank has been holding our {$2000.00} for over 40 days without any reason whatsoever, leaving us without recourse in the matter. 
We find PNC 's actions abusive as this funds are needed for our subtend.
Product: Debt collection

I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.
Product: Student loan

Since my account was transferred from XXXX to Nelnet, I have had issues with them calculating my interest and the amount of months, remaining on my account.shows XXXX. 

It does not show the two years that I paid, to XXXX. 

I contacted them four times by email and three times by phone, with no resolution. 

The most recent today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this creditor has violated my rights under USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 USCs 1666-B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of correcting the wrong and the effects of identity theft on myself for over year. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new accounts reporting. Sure enough, 2 fraudulent accounts are now reporting on my credit file. Recently, I have submitted documents to Transunion in reference to a XXXX XXXX fraudulently opened and Tranunion deleted the account as it was fraudulent. However now, that same account with a different account number has started reporting. This is not my account and I am not sure how to keep this from occurring over and over again. The fraudulent account is XXXX XXXX # XXXX. There was also some type of XXXX account that was just added that is fraudulent as I have never had this account eitjer. The account number is # XXXX. I have submitted my ID Theft report, police report and identification to Transunion and the CEO of Transunion as well.
Product: Money transfer, virtual currency, or money service

I have a Venmo account. Someone paid me back {$2500.00} to my Venmo. When I tried to add my bank account information so this money could be transferred to my bank, the Venmo app would not allow me to add the information and then Venmo suddenly suspended my account. I tried calling Venmo for assistance but could only reach a representative ( or AI ) by chat. They told me they could not help me and Id have to wait several days for anyone to reach back out to me. I looked everywhere for a number to call Venmo. The only number I found would only allow me to communicate information via chat, not to a live person. I found another number by XXXX Venmo and I tried calling that. A representative answered the phone, but I soon figured out that they were likely fraudulent and not a real Venmo rep. Mind you, this fake Venmo phone number is everywhere online, and I would think Venmo would try to scrub it from their XXXX search so customers dont get scammed and lose even more money. After 1.5 hours of work on this, I have yet to find anyone at Venmo to speak with who can help me, and the chat AI could not help me either. It is clear that Venmo does not want to release my {$2500.00} to me, which is concerning. If I cant get this money in a couple days, I plan to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid off home loan XX/XX/2018 ... still shows on credit report as unpaid
Product: Checking or savings account

To Whom It May Concern, I am compelled to submit a formal complaint against Capital One due to their handling of my fraud investigation case, referenced as Case No. XXXX # XXXX. This complaint arises from not only the unjust denial of my appeal based on misinformation but also from Capital One 's failure to provide any form of communication regarding their decision. Despite my proactive efforts, reaching out to them over five times to request clarification and to rectify the misinformation on their part, my attempts were met with empty assurances, and no representative has made an effort to contact me throughout the process. 

To my dismay, I discovered an unauthorized deduction of more than {$1200.00} from my account, executed without prior notification or explanation. This action by Capital One is unacceptable and contradicts the principles of fair customer treatment and transparency that financial institutions are expected to uphold. 

The banks refusal to engage in meaningful dialogue, coupled with their decision conveyed without notice, underscores a grave disregard for consumer rights and the integrity of their fraud investigation processes. It leaves me not only financially aggrieved but also deeply concerned about the standards of accountability and customer service at Capital One. 

Given these circumstances, I seek the Consumer Financial Protection Bureau 's intervention to secure a just resolution. This situation demands a thorough review of both my individual case and the broader practices of Capital One concerning customer communication and the handling of fraud investigations. I am prepared to supply all requisite documentation and evidence to substantiate my claims and to demonstrate the neglect and procedural failures on the part of Capital One. 

I appreciate your prompt attention to this urgent matter and look forward to your support in ensuring a fair and equitable outcome. 

Thank you for your assistance.
Product: Checking or savings account

In early XX/XX/2022, I reported to SunTrust Bank ( now Truist ) that, on XX/XX/2022, it had cashed a check drawn on my account that was clearly a forgery. 
I had written a {$100.00} check to a charity ( XXXX XXXX Fire Department ) and mailed it during the week of XX/XX/XXXX. The check was somehow stolen from the US Postal Service, and then the payee and the amount was changed and raised to {$7500.00}. The check cleared and SunTrust debited my account. 
The payee on the forged check was a person unknown to me ( XXXX XXXX ) or ( XXXX XXXX ). 
XXXX was that the back of the check bore no resemblance to a SunTrust check. Moreover, the check appeared to have been cashed using a check cashing service. It may have not been financial service located in the United States.

The SunTrust bank manager agreed that the back of the check clearly was unlike the checks the bank issues to depositors and that the check did not appear to have been cashed at a bank. The SunTrust manager said he would report the matter immediately and the bank would conduct and investigation, which would involve the US Postal Service and other relevant authorities.

However, more than three months have passed and, despite numerous efforts on my part to request information and updates on the fraud, the response from SunTrust, including the Maryland area regional manager, is that the investigation is pending. 
Up to today, the bank has not restored the stolen funds, asserting that there have been so many such cases in recent months that the fraud investigators are overwhelmed and under staffed. 
It is my view that the banking system 's automated check clearance process should have caught this fraud, particularly when a check cashing service is being used rather than an established bank. 
SunTrust clearly has recourse to the parties involved in the fraud and can demand financial restitution from them. Moreover, the automated check clearance process will inevitably invite fraudulent transactions. The costs of such fraud should clearly be borne by the banks themselves ( and the banking system ) and this should be seen as a normal cost of doing business. 
I would appreciate your views of this matter and next steps that can be taken.
Product: Checking or savings account

The IRS sent XXXX dollars to my chime checking account on XXXX XXXX XXXX and I have emailed chime support over and over asking where my tax refund money is and they're not giving me a clear answer or resolving my issue with my IRS Tax refund deposit of XXXX. I need to know where my money is as it was sent to my chime bank account.
Product: Debt collection

I reported this account and its inaccuracies in XXXX of XXXX as the account originally was charged off XX/XX/XXXX but still reporting a past due balance. After XXXX completed the investigation the items remained unchanged. I reported again on XX/XX/XXXX and American Express had removed the monthly payment, original balance and recent payment still not addressing the inaccurate reporting of the past due balance. As of Today XX/XX/XXXX I disputed the balance again for inaccurate reporting as I saw they increased the balanced owed since my last dispute. Although I have requested a 1099-C for the charged off amount I have not been provided one and believe this is fraudulent reporting and collecting practices. Please remove this fraudulent account from my credit report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to se
ek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed my credit report on XXXX XXXX and saw that there was a negative file on my account by XXXX XXXX XXXX. 

I sent them a letter requesting them to validate the debt, however I never received and response from them. USPS Certified Mail Receipt : XXXX, shows that letter was delivered on XXXX XXXX, XXXX. 

By not responding, CCS failed to comply with the Fair Credit Reporting Act and the Consumer File Rights. It has been well more than 30-45 days since I have sent them communicated, have proof that they have received it, and have failed to respond to me to validate the account. 

This company needs to be held accountable for their violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXXXXXX Called regarding MIXED FILE, recieved mail which said " We opened your case '' XX/XX/XXXXXXXX XXXX XXXXXXXX Ticket register, Ticket number- XXXX, mail recived " Your former address has been removed '' but it was not even removed
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX