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

i have had nothing but issues accessing my account from day one XXXX XXXX XXXX, my accound has been froze and unfroze, ive had to file multiple disputes and now my account has been closed as a business decision was told it was because i had given my online banking information out and i absolutley did not and asked why if they knew of this issue the entire time i was concerned about the account they didnt inform me before just closing the account. i have {$6000.00} now in the account that they can not find or provide information on and the merchant has already processed the chargback on the XXXX of XXXX, it is now the XXXX and still no answers. i am homeless because they have all of my money, i was set to close on a home and it fell through not once but twice because i have no access to my own money for closing costs. i am more than irate at this point and have run out of options.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Method of Verification and Continued Dispute of Charge-Off XXXX XXXX Account To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the XXXX XXXXXXXX account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 


Attachments : XXXX XXXX XXXX For ID
Product: Debt collection

In XXXX to XXXX I was receiving treatments for XXXX  XXXX  XXXX  XXXX at XXXX XXXX in XXXX MN. I had a XXXX  XXXX  XXXX  for XXXX and these treatments were called XXXX. The problems started when the billing department lumped these treatments into XXXX bill. I started receiving bills for {$37000.00} dollars. I had changed insurance after XXXX, my wife worked as a teacher and I was covered under her insurance, in XXXX the new policy went into effect. I gave this information to XXXX on my first visit for treatment after the new year and also on a subsequent visit when they photocopied my insurance card. Each time I received this bill I would either call billing or visit the desk in the XXXX XXXX in XXXX. Each time I was told something wasn't right and they would submit it for review. Eventually a lady called and said it was all cleared up and I no longer owed anything. I stopped receiving bills. However in early XXXX I received a call and a message that I needed to contact XXXX billing department. I did and they said I still owed them {$37000.00} and how would I like to pay it. I asked them to send me an itemized statement so I could review it. They did and this is when I noticed they had billed my previous insurance from XXXX instead of XXXX. I then called them back and alerted them to this. I also called the insurance company and they had received a claim for these services but it was past the XXXX year timely manner submission. They did however say an appeal could be made if XXXX wrote them a letter explaining why it wasn't submitted on time. I called XXXX and told them this but the lady said they weren't going to do this and there position was I wasn't covered under my insurance plan. I even hired a lawyer who sent them a letter saying I wasn't going to pay the bill because I had insurance at the time. He sent the letter to both the insurance company and XXXX XXXX. The clinic has canceled all my appointments and I am no longer able to go in for checkups or see my doctors. I was also informed my bill had been turned over to a collection agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I checked my Chase online banking and saw XXXX wire transfers that i was not awared nor authorized them. Their amount are XXXX XXXX XXXX and XXXX dollars. XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$10000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$40000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$45000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$35000.00} I already asked the bank to investigate, but they were very late to ask me to provide wire fraud claim, then i sent the claim on XX/XX/XXXX. Until now, they're still saying the claim is in investigation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & XXXX  have some form of block on my consumer report that is preventing me accessing my consumer report which I am entitled to one. There are several names that are not mine and addresses that are not correct at all. I have provided proof that this information is incorrect and they still refuse to remove it. Specifically Equifax continues to report a name XXXX XXXX that is not mine. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX my only employment is The XXXX XXXX  any other information is incorrect. I have attached my identification and my residency.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. 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 ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed to 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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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 nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint without influence** I have notified Transunion about providing information to unknown entities. Please review attached documents for reference and for relevant details.
Product: Money transfer, virtual currency, or money service

Hello, I've been doing business with PayPal for over 8 years. Recently, I was asked to provide details about XXXX transactions, which I've successfully completed. Within a few hours, I received an email about my account being permanently limited ( which means banned ). I have over {$50000.00} of funds within this account, which I need to use for a downpayment on a home that I was planning to buy this week. They said that these funds would take 180 days in order to clear, which is an excessively long time. I did not expect this to happen, especially since I have a very low chargeback rate and high customer satisfaction. They claimed that I violated with " user terms '' but there is no evidence of this happening at all. I have not committed any fraudulent transactions, so there is no reason for them to withhold my funds for 180 days. I have signed contracts from all of my clients and our relationship is in good standing. I feel that this is completely unfair by Paypal. I have been a loyal customer for a long time. I expect them to resolve this issue within the next few days. 

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

Consumer Complaint Form Your Information : - Name : XXXX XXXX - Address : XXXX penrod - City : XXXX XXXX XXXX XXXX XXXX - Zip : XXXX - Phone : XXXX - Email : XXXX Company Information : - Company Name : XXXX XXXX XXXX Complaint Information : - Date of Incident : XX/XX/year> Description of Issue : On XX/XX/year>, I encountered an issue with XXXX XXXX XXXX XXXX ] regarding my automotive financing. Specifically : It shows a hard inquiry or Delete information
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I contacted LexisNexis stating they were reporting to insurance companies erroneous information about the fault concerning an accident I was involved in. After a hearing XXXX XXXX sent me a notice saying I was not at fault. I furnished a copy to LexisNexis. I recently found out from XXXX nothing as to the correct status of that claim has been updated and as a result I have been charged a higher rate for auto insurance. To me, if LexisNexis is going to be in the reporting business, they need to change their practice as it is causing folks harm financially. I contacted them multiple times and sent them proof. Over a year later I come to find they've done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my audit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I called equifax on XX/XX/XXXX to let them know they violated my right to privacy as a consumer pursuant to 15 usc 1681 4 by publishing information on my consumer report without my permission pursuant to 15 usc 1681b ( a ) ( 2 ). I told them to remove the derogatory mark from my consumer report. they said that they would send a dispute to the debt collector about the derogatory and that is not what i requested. i would like Equifax to remove/delete the derogatory mark from my consumer report asap due to the laws I provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information on my Clarity Consumer Report is inaccurate and not my information : All of Check Cashing Details and information is inaccurate and not my information. The last time I cashed a check was in XX/XX/XXXX. I havent cashed a check since XX/XX/XXXX, all of the inquiries not seen by others are not my inquiries, the following personal information is incorrect and not my personal information : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the addresses listed on my Clarity are not my addresses, the only address thats my address is XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, I been living at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX since XX/XX/XXXX, All of the banking information listed on my Clarity Consumer Report is inaccurate and not mine. I have never had a checking account with a bank or credit union. All of the employment information is inaccurate and not mine. I have never had a job. Im physically XXXX. The following e-mail address is not my email : XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently for a number of years to improve my credit rating. We recently purchased a property. The credit check was run by the insurance carrier. I was surprised by the comments on our notice from the Insurance Carrier so I sent for my report. Under " Adverse Accounts '' late payments that are more than 7 years old continue to appear. I would like these removed as I believe they negatively impact our credit score as well as the interest rates being offered to us by Credit Card companies.
Product: Checking or savings account

I am writing to address a concerning issue related to my CITIBANK business checking account, which was opened on XX/XX/2023, and subsequently closed on XX/XX/2023. Despite my disappointment with the perceived unfair decision by the bank, I am reaching out to you in hope to get this resolved. 

To provide context, on XX/XX/XXXX, I have deposited an Official Bank Check ( XXXXXXXX XXXX check ) amounting to {$30000.00}, which was provided by family member ( aunt ), an account holder with XXXX XXXX. Initially, there was no issues accessing these funds. However, complications arose when the bank denied our withdrawal request and initiated an inquiry into the matter. Despite diligently furnishing all necessary documentation and engaging in extensive email correspondence, further requests were made to review my aunt 's statements. Subsequently, my aunt visited your XXXX branch ( XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ) in person, providing the required information. 

Regrettably, the bank 's back-office personnel concluded that the transaction constituted fraudulent activity. This led to the abrupt closure of our business account, along with the withholding of {$19000.00}. Despite our efforts, which included providing information from XXXX XXXX  's representatives and offering to involve the corporate side of XXXX  to confirm the legitimacy of the funds, we find ourselves accused of depositing a fraudulent check. 

Having patiently waited for more than XXXX months in the hope of the bank returning our remaining funds, it has become evident that there is no intention to do so. This message serves as an attempt to resolve this matter externally, since internally they have not taken any actions to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter the XXXX XXXX on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. On XX/XX/XXXX I sent a letter to Transunion via certified mail asking them to remove this account due to being falsely reported. I got no response to this letter, and there was no note placed on this account that showed this account as being disputed which is a violation. I sent another certified letter 47 days later on XX/XX/XXXX asking Transunion to delete this account for being falsely reported, and I even pointed out that the other bureaus had done their job to remove this account. They sent a letter on XX/XX/XXXX stating that the account was verified as accurate and they updated the date. I do not believe they did a timely investigation in to this issue.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer report rights. I previously notified all bureaus that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved in XX/XX/XXXX. I made numerous notifications to XXXX XXXX / Chevron regarding this change of address and subsequent transition to a new email address. In XX/XX/XXXX, I closed the account due to the inability of XXXX XXXX / Chevron to accommodate these changes and properly notify me of any monthly dues in the form of a statement ( both US mail and e-mail ). I closed the account in XX/XX/XXXX and recently discovered that XXXX XXXX / Chevron retaliated against me for this closure and reported a 30 day late on XX/XX/XXXX. This revengeful act occurred because my last few conversations with XXXX XXXX/ Chevron were unpleasant. I have contacted them regarding their intentional maliciousness against me an entire 3 months after the account was closed.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries.

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.