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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXXXXX. Account # : XXXX XXXX  XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XX/XX/year>, XXXX unauthorized transactions totaling {$2300.00} were charged to my Bank of America debit card under the merchant name XXXX XXXX. I immediately reported the fraud the same day ( XX/XX/XXXX ) by calling Bank of America and visiting a branch in person. At the time, the bank representative confirmed the dispute and stated I would receive provisional credits by XX/XX/year>. 

XXXX of Actions : XX/XX/year> : Reported fraud to Bank of America via phone and in-person visit. The bank opened a dispute case. 
XX/XX/year> : Bank of America notified me the claim was denied without providing a reason. After protesting, they agreed to reopen the investigation. ( Nevertheless, I do not know why they suddenly changed their mind about the refund even thought my husband called 2 times and both received the answer that the money will be refunded to our bank account ) No provisional credit has been issued, despite Bank of America initially promising funds by XX/XX/XXXX and XX/XX/XXXX. 
I physically possess the debit card linked to the fraud and have no XXXX membership, account, or prior bookings. 
Issues with Bank of Americas Response : Failed to provide provisional credit within XXXX business days as required under Regulation E. 
Denied the claim without justification or evidence that I authorized the transactions. 
Created confusion by reopening the case after declining it, delaying resolution. 
Actions Taken : Contacted Hiltons fraud department to request documentation proving I have no affiliation with their services ( no response yet ). 
Filed a police report regarding the fraudulent charges ( report number : [ INSERT ] ). 
Desired Resolution :
Product: Credit card

CARECREDIT sent me a letter on XX/XX/year> stating that a credit product was unfortunately unable to approve when I did not request nor applied for anything. I have a strong feeling that this is done by an Ex husband who is being accompanied by the current wife. This is not the first time this has happened without my authorization. He currently Knows my most recent address due to Child support papers that was just updated beginning of this year. My files with my information was supposedly, accidentally sent by a XXXX  XXXX so everything was on there.
Product: Payday loan, title loan, or personal loan

I am getting my bill statements 1 day before they are due. The company says it give a 15-day grace on billing, but I am worried it is getting reported as late payments to my credit. I am always current, but this does seem a little unprofessional.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiry. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under CARES Forbes act. XXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX Balance : {$670.00} )XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX TX. ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  ), ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to transfer {$100.00} dollars from the US to XXXX. At first, when I opened the Wise app and started setting up the transfer, they promised a XXXX minute delivery. Once I finished the transfer via XXXX XXXX with a debit card, they switched the delivery for XXXX  days later. Since that didnt work for me, I canceled it immediately. Upon contacting Wise, they gave me different responses each of the XXXX times. 
On XX/XX/XXXX, they responded my email saying my transfer would arrive in XXXX shortly. That made no sense since my transfer had been canceled. I responded that email and they never responded back. 
On XX/XX/XXXX, I sent another email asking about my refund again, and they said they couldnt refund it because they didnt have my bank account, which was not true because not only my bank account was there, since I paid with card, my refund should come via debit card. Again I responded and they didnt. 
On XX/XX/XXXX, I called. After XXXX minutes waiting, a woman who didnt seem to know what she was talking about, said shed have to escalate my request due to technical problems. She never gave me a deadline on when I should receive it, just said I should wait. 
On XX/XX/XXXX, I was stupid enough to try to do another transfer of {$49.00} dollars. Once again, they promised delivery in XXXX minutes and once I paid, they said it would only arrive on XX/XX/XXXX. Since the money needed to arrive to XXXX today, I had to cancel it. I sent another email now asking for both refunds, and the response I got made no sense at all. They said my transfers were both stopped for sanctions review before they could send them out. And even though they received my cancellation request, they still have to complete the sanctions review before they can cancel it. 
Once again, they responded with a whole different story and never gave me a timeline of when I should expect to receive my money back. I am out of almost {$150.00} dollars and not one single coherent response for my refund. This is simply ridiculous. Please help me get this sorted.

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit has been low do to a charge off that was placed on my account while recovering from a car accident. after I fully recovered On date XX/XX/2022 I look more into the credit report to see if there is anything wrong with the report placed for the charge off. I made a dispute to all 3 bureau because I seen discrepancy, and inaccurate information.the balance wasn't matching the past do, the written of balance, and the original balance. also irs passed law that gross income shouldn't be on your consumer report and I didn't receive the 1099G form as well as several violation 15 U.S.C1681s-2 ( a ) ( 1 ) ( a, 15 USC 1681e ( b ) which I let the live agents know. and asked after investigating to remove/ cease/ delete the inaccurate account and they ended up updating it instead.I again tried to dispute it again for the same reasons because when they updated it the balance was more the account been closed and charged off and wasn't matching so again for inaccurate account and several violations because I prior disputed for same reason and they ended up updating the information once again and as of right now the account once gain is under dispute for the 3rd time multiple violations need it removed AS soon as possible
Product: Credit card or prepaid card

On XX/XX/XXXX I called Navy Federal Credit Union to inquire about the Servicemember Civil Relief Act and eligibility of spouses of current XXXX XXXX members. I was advised by the representative that I was eligible for the benefits and that my husband did not have to be on my bank or credit card account with them. On XX/XX/XXXX I received a call from Navy Federal advising me I was denied since my husband was not on my account. I was deceived by the company, which under the Dodd-Frank Act is unlawful. Navy Federal refuses to investigate the information I was originally provided and reconsider the decision made regarding the SCRA benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX
XXXX EST 
TALKED WITH A REPRESENTATIVE FROM EQUIFAX ABOUS A FRAUDULENT ACCOUNT OPEND IN MY NAME FRIM XXXX XXXX AND XXXX XXXX. I SENT IN A LETTER TO HAVE THE INFORMATION BLOCKED FROM MY CREDIT REPORT ACCORDING TO SECTION 605B OF THE FCRA. APPARENTLY AT EQUIFAX I WAS TOLD THEY DO NOT FOLLOW THIS LAW AND IT WOULD STAY ON AND SO A 30 DAY INVESTIGATION. WITHOUT  ANY EVIDENCE THIS ACCOUNT SHOULD BE BLOCKED FROM MY REPORT BUY EQIFAX REFUSES TO DO SO.
Product: Debt collection

I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquries appearing on credit report.
Product: Vehicle loan or lease

XX/XX/XXXX Dear Sir or Madam. 

I am XXXX XXXX. I suffer with XXXX   XXXX XXXX. I have a daughter with XXXX. My husband XXXX on XX/XX/XXXX. I bought a car through chase auto financing in XXXX when my husband was living on XX/XX/XXXX. When my husband was living, I could afford the payments. I tried to refinance in XXXX and I was turned down. When I purchased the vehicle my credit score was XXXX or better. I recently tried to refinance in XX/XX/XXXX and they turned me down again. My credit score is higher and I have a 100 % payment history with them. I can't afford these payments of {$410.00} a month. I don't know what to do except to write to you all to please help me because Chase would rather me loose the vehicle and mess my credit up than to work with me on my notes. I had to take out a loan to pay them for the month of XX/XX/XXXX. My life is so much harder and I don't know where to turn. Me and my daughter is all alone in this world without any help since my husband died. Please help me because I am so confused and so stressed out. 

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

I had an account with XXXX XXXXXXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. I maintained a perfect payment history all the way up to XX/XX/XXXX. I then paid my balance off to a XXXX balance and discontinued use of the card. 4 months later I received an alert stating my score had dropped XXXX points. XXXX XXXX XXXX had continued to charge my card without any usage of the card or making any purchases, they charged my card every month without me being aware, which ultimately resulted in 4 consecutive late payments and fees and the closure of my acct and a severe hit to my credit score. When I contacted them, they admitted the misunderstanding and removed any and all late fees but failed to remove the late payments from my report.
Product: Debt collection

I have no legal or binding contracts with this company I have no debt or no money owed to this company as is a third party collections
Product: Mortgage

U.S. Bank, seeking excessive amount about 800K+. XXXX XXXX of XXXX XXXX told me not to attend the conference. He took the documents but never return them. I will uploaded copies of said documents. He didn't submitted them as exhibits nor challenge the different copies of the note the allonge and the assignment that clearly shows that the note was not transfer to USBank only the mortgage in a discovery. Please note the allonge from XXXX it doesn't have the name ( XXXX ) on it. But, the XXXX allonge has the name ( XXXX ) on it. 
Fraud
Product: Debt collection

please send me all of the statements of this account in order to verify the reported balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Debt collection

SUNTRUST : Fraud Case XXXX ; XXXX Case # XXXX ; SunTrust Case : XXXX ; XXXX Ref # XXXX This is an open Fraud Case against SunTrust, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and SunTrust is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud Specialist, that did not even care to see the documents nor the case number filed with the XXXX Sheriff 's Department. 

Next were several " Recovery Agents '' that finally submit my complaints to VP of Recovery, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised Debt Collection AgencyXXXX XXXX # XXXX regarding the debt that SunTrust is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
Product: Debt collection

There was transactions reported by me on the XX/XX/XXXX. Paypal flagged my account as i dispute the charges. Paypal denied the charges and i reopened the dispute and told the financial institution. While I was in XXXX on the XXXX of XXXX another $ XXXXcamw out. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? Thwy hung up on me. 
Paypal let another transaction go through while there was open disputes. There was transactions reported by me on the XXXX. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute? The XXXX was returned by paypalon the XXXX. Paypal had the opportunity to STOP that payment. They refused. Now the errors were fixed accept the payment they let through. XXXX has their payment/money. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. The bank contacted PayPal and requested the refund on the dispute for the XXXX and PayPal did acknowledge that it was returned for fraud but won't acknowledge that the bank refused the XXXX for the same reason. Why isn't PayPal doing a charge back? They paid it without authorization or funds available. They should have rejected the payment based on the bank saying no and me and no authorization. Paypal needs to get that unauthorized {$500.00} from the individual they gave it too without authorization. I was in XXXX ( which I submitted ) at the time it came out.. i didn't authorization it. Paypal wouldn't have returned the XXXX fraudulent payments if it was proven.. They are claiming that it wasn't returned. Yes it was. They can get it back from but choose not to. They are allowing them to scam me. XXXX
Product: Debt collection

XX/XX/20 Reached out to Capstone collection in regards to a account I have paid and they refuse to inform the Credit Bureau about me paying off the account.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. 
I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. 
On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. 
I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. 
{$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  allowed fraudulent transactions and charges to all of my accounts repeatedly in 2019. I have provided all credit bureaus with the investigations of XXXX and XXXX XXXX XXXX  and XXXX XXXX  investigations and XXXX  and, XXXX  police report XXXX all that concluded that XXXX XXXX XXXX  was absolutely wrong actually contributed to the criminal unauthorized fraudulent transactions and charges by allowing the unauthorized fraudulent transactions and charges repeatedly throughout the year XXXX Credit Bureaus have the information on several years provided by me but has not blocked XXXX XXXX XXXX  reporting XXXX Credit Bureaus have not given me information that XXXX XXXX XXXX  has given to them that shows what they the Credit Bureaus are reporting. Accounts reporting by credit bureaus was not initiated by me with the limits or how the accounts could be used. All transactions were done not within the accounts abilities or limits that were in place mat the time of the unauthorized fraudulent transactions and charges we're done