23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX XXXX account XXXX XXXX has violated my rights to privacy and is acting outside the consumer laws in its own capacity. " Brigit '' has access to my bank account and instead of billing my account on the days i had scheduled due to my paycheck deposit schedule, they would debit my account when the balance was too low, multiple days later causing overdraft charges, and late payments on my credit report. False and misleading advertisement. 

15 US Code 1692 ( 2 ) ( a ) ( b ) False or misleading representations : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

15 US Code 1681 section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 US Code 1681- ( a ) ( 22 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX  XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XXXX XXXX XXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my experian boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute to the CFPB, XXXX, XXXX, XXXX, and EQUIFAX requesting inaccurate information to be removed from my report. I expect a thorough investigation and for all reporting information be to the MAXIMUM accuracy. According to my consumer report XXXXXXXX XXXX and the credit bureaus are reporting this account as charge-off every single month. The problem with that is the account was only charged off once not three times as reported which makes that VERY inaccurate and detrimental to my consumer file and financial capabilities. It is also a violation that I have continued to ask for for fair credit reporting and all above parties have neglected to do their due diligence. XXXXXXXX XXXX has made claims that they can not produce the original application for this account which I am entitled to have to be able to dispute fairly and accurately. I have attached proof of the negative reporting and would like the error to be fixed. XXXXXXXX XXXX has aLao been sent a Debt Validation certified mail and has failed to respond in a timely manner. Also, lets be clear a telephone number alone without solid proof is not enough to verify an account to say that it is indeed mine which was stated in the previous complaint filed. This is my final request before taking legal action for violation of my consumer rights according to 1681 ( b ) as well as the FCRA. This issue has caused me severe stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over three months ago, I sent a letter to Equifax, asking the to investigate errors on my credit report. I have yet to receive a response.
Product: Checking or savings account

Went to deposit over {$2000.00} into atm one night but only partial amount was posted. Atm robbed me of {$800.00}. Then they credited me the {$800.00} 2 weeks later. Then 2 months later they took back the {$800.00} and now my bank acct is overdrafted I called back and told them this is clearly an inside job. They are purposefully robbing customers. Because we are powerless & defenseless, we are helpless and either accept this abuse or try to fight back. I had an experience with chase bank same thing atm ate XXXX but luckily it was business hours so I ran inside the branch within seconds and they credited my account immediately following morning. But with Wells Fargo take 2 months to investigate??? Then tell me atm had no malfunction. It was two transaction within a minute after because I inserted too many bills at once so it spit out some and it made me insert my card back in and deposit in anew transaction. 

Wells Fargo ATM XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$120.00} XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$1000.00}
Product: Credit reporting or other personal consumer reports

According to 15 USC 1682 c and FCRA Section 605, you have violated my rights by in lawful communications. Please remove and block these debts that don't belong to me. Documentation has been provided. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date that I discovered it : XX/XX/XXXX -Wrong Dates being recorded inaccurate information. - I've never been late on my Mortgage since I obtained it. I have proof of this information as well. Something needs to be corrected at this time.
Product: Credit reporting or other personal consumer reports

1. in accordance with the Fair Credit Reporting act XXXX Account number 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.

2. in accordance with the Fair Credit Reporting act XXXX Account number 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. 


3. in accordance with the Fair Credit Reporting act XXXX Account number 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. 


4. in accordance with the Fair Credit Reporting act XXXX Account number 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.

5. in accordance with the Fair Credit Reporting act XXXX Account number 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: Checking or savings account

I submitted a fraud claim in XX/XX/XXXX to Truist bank. The fraud began in XX/XX/XXXX but were so few that I did not notice them. In XXXX I noticed within days of the activity because there were so many transactions. I have fought so hard to get these claims paid and have gotten all but XXXX back. The final ones denied were based on not having reported the activity in a timely manner. However those activities were reported within days of the fraud. The problem is, the bank opened a new claim that showed a new reported date, rather than looking at the original claim I made. Original claim number XXXX was apparently changed to XXXX. It didn't even include a {$800.00} charge by XXXX that was on original claim. The bank has screwed this up from the beginning. I have a spreadsheet where it shows what is still outstanding. I have sent that to XXXX, XXXX, and XXXX. I have not heard back and have emailed numerous times, the last date being XX/XX/XXXX. I am working with Deputy XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC. Phone number XXXX. The police report number is XXXX. He has submitted subpoenas to one of the main fraud charges that showed up over XXXX times on my statement within XXXX hours. This has caused me so much stress. I've missed work to investigate things on my own, to follow up with the bank, etc. I ended up in the XXXX XXXX days after I reported the fraud and was preadmitted due to doctors concern I was having a XXXX XXXX. I've been going to XXXX as well, because it's too much on me trying to figure out how I'll pay my bills with the limited funds I have as it is. I've banked with Truist ( formerly XXXX XXXX XXXX  ) for over XXXX years and never had an issue like this. I will seek punitive damages if I have to file with an attorney.
Product: Credit card

I applied for a new credit card from Bank of America, I got approved and it was shipped on XX/XX/XXXX. But I never received my card, since it says wait XXXX days on the email I received regarding shipping information. I tried to wait for couple more days. Then on XX/XX/XXXX, I found out there was a pending of {$700.00} on my credit card account without me activating the credit card. I did not know how they approved a card without activation. I called Bank of America Fraud Department and file a fraud Claim, since I did not know where it was being charged when it was still pending. But I never ever received my physical credit card. They filed a fraud claim right away, until XX/XX/year>, I received an email that they started investigating at XXXX, and they were done at in the morning and I was waiting for the result. I do not what they were investigating when the merchant was not even opened. Around XXXX, I saw the balance was backed on my credit card account again. It is pretty obvious, someone stole my mail with my credit card in it, and it is ridiculous that it got approved without activating it. I call the fraud department, and they said there were multiple declines. After I filed the claim, I found out it was in XXXX, XXXX where I don't go there even once a year. After they replaced the old credit card, I literally just received and activated at XXXX on XX/XX/year>. I did not know how transaction got approved, without activating it. The merchant is XXXX XXXX XXXX XXXX NY. I was at home at the time, I do XXXX XXXX and the most recent XXXX transaction was near my house
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I received a letter in the mail stating that this firm had been notified that my credit score had dropped between 450-600. They stated they could fix this. They stated bad credit could prevent me from doing certain things like buying a home or my next job.
Product: Credit card

On XX/XX/year>, I submitted my second application for a XXXX XXXX store card through their website. Surprisingly, I received a denial letter from Comenity Capital Bank, which handles XXXX XXXX 's store cards. The bank stated that my credit score is XXXX from the scoring system. However, the denial reasons were cited as " lack of first mortgage account and lack of real estate secured loan information. '' I find this reasoning perplexing and unfair. I have properties that paid off a decade ago and I do not need a loan. It's unreasonable to deny a store card application on these grounds. Additionally, I had a XXXX XXXX card for years, but it was closed by Comenity Capital Bank due to lack of usage during the pandemic.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted to remove my Bitcoin from my Bitcoin vault on CoinBase and transfer it to my XXXX XXXX  so I can withdraw the money from my account. To withdraw the money you must approve the withdraw from 2 emails. My primary email allows me to approve the withdraw, but my secondary email will not allow me to approve the withdraw due to a glitch by CoinBase. The company will not reach out to me on this serious matter and they are holding my money with absolutely no help. They are holding XXXX of my Bitcoin that I invested in. This is an ongoing issue with CoinBase that was never fixed on their end. Im asking to be able to have my money restored to me appropriately and have CoinBase help me.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues.They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit card or prepaid card

Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount
Product: Mortgage

I purchased a new construction home and financed through Quicken Loans. The loan closed on XXXX XXXX XXXX and my mortgage payment was {$1300.00}. Quicken ran all the information for property taxes, state taxes, local taxes and did an appraisal on my home. XX/XX/XXXX, I started receiving letters from Quicken that my escrow was behind and my new mortgage payment would be around {$2200.00}. I was told by an employee at Quicken ( all calls are recorded ) that this new payment ( {$2200.00} ) would be for the next 30 years. I was later told by another employee it would just be until the escrow shortage was caught up ( roughly {$3000.00} ). Then I came to find out that the original mortgage was based off of the land value only and not the home and property taxes. I was told by an employee that they knew at the time of closing that my mortgage payment would increase dramatically in XX/XX/XXXX but no one told me. I NEVER would have bought the house under these conditions. In order to work with Quicken, I applied for a refinance at a lower rate to offset the additional costs and was declined. This was within 6 months of them approving me for a loan in the first place. Then Quicken Loans said I should apply for a loan modification/hardship. After jumping through hoops to supply them with additional information for the modification, I was declined because I have not lived in the home for 12 months yet ( a requirement they neglected to tell me ). Why have me go through all the suffering, worry, and extra work when they knew the loan modification was going to be declined on their end from the start? Then, they decided to try the refinance again. I was told rates were even lower because of the XXXX and the wasted time would benefit my interest rate. They wanted to run my credit again. They have ran my credit 3 or 4 times in the past 10 months which I understand negatively impacts my credit score. The original rate they quoted me never went down, even though they said it would. Due to all of these options we were trying to work out, I was told as long as I made my payment within the 30 day grace period my credit would not suffer. From the conception of this loan, I made all of my payments on time ( except the last couple of payments were made in the 30 grace period, as instructed by Quicken : we were waiting on the results of the loan modification as well as waiting on the refinance ( which was supposed to happen XXXX XXXX ). As a result of making a couple of payments within the grace period, I have received late payment charges applied to my account, late payment notices via mail, as well as harassing phone calls from Quicken. The refinance was n't ready for XX/XX/XXXX because they wanted to run my credit report again and I said No. Call it bait and switch, misleading, or shady all I know now I am in a position where I need help to resolve this nightmare. I have gone through enough suffering, worry, and wasted time and need help to come up with a workable resolution.
Product: Checking or savings account

This is XXXX XXXX. I re-sent a claim rebuttal form in for SunTrust for the claim in the amount of around $ XXXX. I wrote a narrative explaining that the claims department said no error occurred when in fact someone did take my routing and account number without my authorization and used it to make several ACHpayments. Please make sure they go back and really look into this and rule in my favor. If it is, please have the check come to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, VA XXXX. NOT the XXXX XXXX  on file.