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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

I demand the following accounts be verified or removed immediately. 
Name of Account : Account Number : Provide physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXXXXXX XXXX XXXX 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a loyal customer with Bank of America for 24years with two personal accounts. 2 weeks ago I met with a representative to re-title ownership of those accounts to a Trust. 

Th

e rep. looked over the Trust documents and confirmed with her manager that the accounts could be re-titled. She re-titled them in the banking system and send the Trust documents to their legal dept. Legal denied the re-title.

I said ok, put both accounts back in my name. Bank of America is refusing to switch the accounts back to my name. Why? I dont understand. 

Instead they are bullying and forcing me to close my accounts that Ive had for 24 years and open new accounts with higher fees and things that I dont understand. I dont want higher fees or new accounts. Just switch the name on the accounts back to my name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB : I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit : {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least XXXX days prior to the due date, which has been violated as evidenced by the late reporting.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Good Afternoon, This complaint is being filed under the Fair Debt Collection Practices Act. It has come to my attention that Debt Collector LVNV Funding LLC, has unlawfully filed a lawsuit against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of {$3700.00} opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. LVNV has never made contact with me of any kind with regard to this debt. LVNV placed this debt on my credit report numerous times only to remove it when I dispute it and place it back on again, the most recent reporting to my credit report is on XX/XX/XXXX, after LVNV filed its lawsuit. LVNV has continued to harass me in trying to collect on this debt by continuously placing the debt on my credit reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXXXXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021 ). If these inquiries are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand for them to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished.
Product: Checking or savings account

Bank State Employees Credit Union Location XXXX, NC At the end of XXXX XXXX XXXX I was hacked. The following week I went to the bank - XXXX  located at XXXX branch in person and closed both checking and savings and got new accounts with a new debit card about a week later for the new account. All companies that tried to get funds on the old card were denied until XXXX XXXX when one charge from XXXX was allowed to go through. I was told that was during XXXX processing time and XXXX could activate dead cards. I went to the branch at XXXX XXXX to try to get it straight again. 
Then all charges were denied again until XXXX when someone named XXXX at the branch on XXXX XXXX. in XXXX, NC. open the old debit card and allowed it to be charged on once again. I went in XXXX back to XXXX and tried once again to get it straightened out. It wasn't until XXXX that I was able to get this old card that was supposed to be closed since XXXX XXXX resolved. Now I may not get all my funds back because companies did charge on it from XXXX to XXXX Companies I did not authorize or continue service with after I was hacked. 

The cable company, XXXX in XXXX, NC, came to repair the cable right before the card was reauthorized in XXXX. I told them I had cancelled the service in XXXX and even went to the office of the cable company to find out more about why they were trying to fix what I wasn't suppose to have. They said they had been charging the old card. The next day a authorization was put on the old for charges. Although there had been none since XXXX when I called to cancel the cable. The bank informed in XXXX that it was XXXX who had reauthorized the card after I went in to make sure to once again check on the bank account and new card. 

I made repeated phone calls and visits to the bank regarding my accounts which have been changed 4 times now due to this. The original card that was supposed to have been cancelled, but was attached to all of the accounts with new cards issued. One of which I never received. If could not use the card from XXXX, Why then could a business? Why was it reopened in XXXX? Why wasn't it closed in XXXX the first time? Are you supposed to have 2 debit cards for the same account? 

Thank you.
Product: Credit card or prepaid card

On XXXX/XXXX/2019, my Chase Sapphire Credit Card received a charge in the amount of {$360.00} from XXXX, which I did not authorize. On XXXX/XXXX/2019, I immediately opened a dispute in the local Chase branch. At that time, Chase gave me a temporary credit for the charge. A few days later I canceled the card to refrain from my credit card being charged again fraudulently. However, on XXXX/XXXX/19, the unauthorized charge reappeared on my card again. In addition, on XXXX/XXXX/2019, I received a letter from Chase ( written XXXX/XXXX/2019 ) advising that they received verification of the charge. Yet, it was a fraudulent charge that I did not authorize. Therefore, it is impossible for their verification to be accurate, and I should not be held responsible for the charge. Chase has closed the dispute and rebilled the charge amount of {$360.00} to my card plus interest. I am not happy with the way this matter has been handled. As a result, I do not appreciate the security measures that Chase offers in protecting my account from unauthorized usage.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2020 I was scammed on paypal of {$35.00}. At the bottom of the page it says this website offers consumer protection so I am submitting a complaint in hopes of getting my money back.
Product: Credit reporting or other personal consumer reports

My informations were exposed without my permission as a result of data breach by experian, XXXX and transunion. I have reached to all three companies with unsatisfactory results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has never corrected its records regarding misapplication of a payment that led an account to be charged-off in early XXXX. Whereas, the last payment was made on or around XXXX XX/XX/XXXX and would have prevented a charge-off, XXXX XXXX continues to furnish the last payment date of XXXX XX/XX/XXXX for the account and continues to report a charged-off status for the account result. XXXX itself paid off the account in XXXX or XXXX of XXXX to stop any future reporting, but failed to correct the payment history for the prior months. In contrast, Experian removed the false/misleading payment history for the months preceding charge-off, but left the charge-off annotations that XXXX XXXX reported until it was XXXX XXXX XX/XX/XXXX or XX/XX/XXXX. Thus, the remedies have been at best partial and the information that persists for this account/tradeline is false/misleading/inaccurate and is patently unverifiable. XXXX XXXX own records and notifications ( in attached docs ) clearly show the application of a XXXX dollar payment to the wrong account and the CO that resulted as result. In fact, any reasonable individual would recognize the account/tradeline is erroneous. Yet, despite receiving multiple disputes, Experian has never corrected this error and has relied upon the inaccurate information furnished by XXXX XXXX for the account/tradeline. Moreover, XXXX XXXX XXXX has continued to report both an incorrect last payment date and charge-off pmt history, charge-off statuses and narratives, that XXXX XXXX knows or has reasonable cause to believe the information is inaccurate. Of note is that XXXX and XXXX removed the offending account.
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. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting 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. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

I've tried to resolve this account with the reporting agencies but they have been driving me in circles.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, parentheses, block, comma, ink, period, parentheses, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, CFPA, period. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I got and email from XXXX a month ago because I was selling my bed and something happened with the transaction and they kept asking me for money and kept saying that would be the last one, its been {$3800.00} from XXXX, {$2700.00} from XXXX and {$500.00} from XXXX XXXX, its ridiculous the amount of money they have been asking me, I called my bank and XXXX and they said they can not do anything because theres no refunds in this situation
Product: Credit reporting or other personal consumer reports

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, XXXX and equifax CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


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

This is my 2nd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to removethese items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Product: Checking or savings account

This complaint is in reference to dispute case : XXXX with SIMPLE bank ; soon to be BBVA. On XX/XX/2020 XXXX charged my shared bank account {$9.00}. This had been going on for several months. I attempted to resolve this issue with the merchant as they did not have authorization to debit my account for that amount. XXXX had no record of our ATM/Debit card on file for any of our accounts. I believe there was still an issue on their end that was causing our debit card to continue to be charged. I had my debit card cancelled and a new XXXX issued 3 times with SIMPLE, however each time XXXX was able to obtain my card and continue to pull money out of my bank account. SIMPLE did XXXX to stop this from happening. On XX/XX/2020 I contacted SIMPLE via phone and online support and advised them of the unauthorized, fraudulent transaction from XXXX XXXXo {$9.00}. They agreed to review. On XX/XX/2020 I received a message from XXXX with SIMPLE Fraud & Disputes stating that they denied my claim for the reason : -The cardholder has established history with disputed merchant ( s ). The only reason for the established history is that XXXX had been charging my card fraudulently for the past 4 months and each claim was approved in my favor since I never authorized my card. I believe XXXX is purposefully discriminating against me because I'm a XXXX and causing me unjust XXXX XXXX and XXXX. I believe that XXXX is not taking into consideration that EVERY SINGLE claim previously filed against XXXX and their illegal business practices were approved in my favor and the stolen funds returned back to me. I want XXXX and SIMPLE reviewed and I want my {$9.00} back that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXX-18 Credit inquiry from an unknown and unauthorized credit with no number from where to reach them. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Their number is conveniently incorrect and not working! 

XXXX XXXX
Product: Credit card or prepaid card

Date : XX/XX/2022 ( date fees were posted to account ) Amount : {$10.00} x2 ( two separate cash advance fees ) Used a Huntington Bank Credit Card to pull money out of a Huntington ATM. The ATM offers the ability to pull money out of checking rather than credit since they are both backed by Huntington. I used the checking option on the ATM.

Despite this I was charged two cash advance fees of {$10.00} each as the ATM decided to ignore the checking option and treat it as a cash advance. The two charges are because I pulled out {$20.00} two separate times.

I Called Huntington and was told I'd have a callback in 48 hours from someone with the ability to refund the fees. The call never arrived and more than a week later I can not get hold of them as the number on the back of my card puts me in a queue where I sit on hold for more than an hour and a half, without the ability to leave a voicemail or email as apparently email is not a thing. 

I would like the two cash advance fees refunded to my account.