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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information being reported by Discover Bank to the credit reporting agencies in relation to my account ( Account XXXX : XXXX ). Specifically, Discover Bank has inaccurately reported late payments during a period when my account was under an accommodation due to the XXXX pandemic, as provided under the CARES Act.

Details of Complaint : Inaccurate Late Payment Reporting : My account was current before I entered into an accommodation under the CARES Act, which was put in place due to financial hardship during the XXXX pandemic. Under the CARES Act, any accounts that were current before the accommodation should continue to be reported as current during the accommodation period. 
Despite this, Discover Bank reported late payments during the accommodation period, which inaccurately reflects my payment history. I request that these inaccuracies be corrected. 
Violation of the CARES Act : The CARES Act requires that accounts in accommodation remain reported as current if they were current prior to the accommodation. This was not adhered to, as the late payments were incorrectly reported during that period. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), Discover Bank is required to provide accurate information to the credit reporting agencies. This requirement has not been met, and I am invoking my rights under this law to request an investigation into these discrepancies and the necessary corrections be made
Product: Debt collection

This company ( national credit system ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Bank account or service

bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX. I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my rep
orts.
Product: Credit reporting or other personal consumer reports

Upon completion of the final payment to honor the lease agreement between myself and American Financial with option to purchase my wife asked the rep from Westlake Portfolio Mgmt about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points XXXX XXXX score dropped 150 something points. Westlake has reported my account delinquent. Not only was this account not reported on every XXXX  payment I made for the last XXXX years now they ruined my credit at the end of the lease.
Product: Debt collection

On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a small loan I took out in XX/XX/XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XX/XX/XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from XXXX saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid 1990s. Please help
Product: Credit reporting or other personal consumer reports

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 
15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting.

For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, XXXX XXXX XXXX
Product: Credit card

I have had an Apple Credit Card for a few years now. On XX/XX/year> I paid my card off {$4000.00}. Normally my payments are instant ; however I noticed my balance had not updated. I called to find out why and they stated that it was a large amount, so a hold would be on the account until XX/XX/XXXX. I explained I spoke to my bank and they stated the money was removed from my account the very next day, so Im not understanding why your holding anything. Fast forward to XX/XX/year> my hold has been released, but my credit limit was also decreased to {$500.00}. I called to get an explanation and the representative stated it was decreased because I didnt use the card. When I asked to speak to a supervisor, he told me its because my XXXX reported my other credit cards were over the limit. I explained I only have two other credit cards and both are at XXXX balance just about every month, so I asked when was the report pulled. He stated he doesnt know any of that. Looking at this situation nothing adds up and its ironic that after I pay my balance down to XXXX  suddenly my credit line is dropped significantly by the company. This is bad business practice and unfair as a consumer especially when you cant provide me with and real reason or proof. Apple and Goldman Sachss have been in trouble in the past for not reporting information correctly on credit reports and misleading consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I was looking to reserve a personal home for a vacation on XX/XX/XXXX-XX/XX/XXXX and I found a space online. I exchanged some emails, phone calls, and a contract with the alleged homeowner and agreed to a {$730.00} rental with a {$300.00} refundable damage deposit. The individual requested I specifically use XXXX to transfer the funds and on XX/XX/18 I transferred {$1000.00} and on XX/XX/18 I transferred the remaining {$35.00}. 

As the weekend approached I reached out to the individual a few times with no luck and I started getting very concerned that I had been frauded. I was able to briefly get in touch with the individual, and asked for a refund per the contract but I was never given a refund nor given the promised accommodations. 

I filed a complaint with PNC bank to dispute the payment but they denied the complaint.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  || Account Number : XXXX - XXXX  || Account Number : XXXX
Product: Credit card or prepaid card

I pre-ordered an item on XX/XX/XXXX and paid {$350.00} with a Chase credit card. The merchant, XXXX XXXX, gave an estimated product shipment date of " XX/XX/XXXX. '' After waiting for this item for a significant amount of time, I decided to cancel the order as it did not appear that the item would ever be completed and shipped. On XX/XX/XXXX, I requested a refund from the merchant, XXXX XXXX On XX/XX/XXXX, the merchant stated that my order was cancelled, and the refund would return to the original method of payment in five business days. The original method of payment was a Chase credit card that I had since closed. On XX/XX/XXXX, I sent a secure message to Chase requesting that the refund be transferred to one of my open Chase cards. I also followed up with a phone call that same week, and the representative I spoke to informed me that funds that are sent to closed accounts would be sent via check through the mail and could not be transferred to any existing accounts. On XX/XX/XXXX, I received a letter from Chase indicating that my " disputed charge '' would remain on my account and " the merchant is not willing to credit your account. '' I followed up with a phone call to Chase describing that this was a refund, not a dispute. The representative informed me that they did not have access to closed accounts. I explained my previous attempts via phone and message to locate these funds. They informed me to try to send a secure message again this time emphasizing that the refund I am looking for is on a closed account and that the previous representative may have looked for the refund on a different account. On XX/XX/XXXX, I sent another secure message with this information as well as the emails I received from the merchant about the refund ( see Attachment ).  On XX/XX/XXXX, I received a letter from Chase with similar language about " the merchant is not willing to credit your account '' and " we consider the charge valid based on the results of our research '' ( see Attachment ). On XX/XX/XXXX, I followed up with the merchant, XXXX XXXX, requesting an alternate way to receive this refund given that my credit card company apparently can not locate the funds. On XX/XX/XXXX, the merchant provided a screenshot with their records that the funds had been refunded ( see Attachment ). This was my last exchange trying to resolve this between the credit card or the merchant.
Product: Checking or savings account

A claim was filed for item not received on or around  XXXX   XXXX , an item from   XXXX   in the amount of  XXXX . An affidavit was signed, faxed in, verified received by Suntrust claim  rep ( s  ). I received a letter shortly after from a  XXXX , claim rep, asking me to call him as he needed to know what the item is that is missing, which was already stated to rep who took claim. Several calls were made to reach him, left several voice messages, none returned. A  XXXX   XXXX  was ordered, missing from box, this was detailed in claim.  XXXX  reps refuse to refund, will only reship item,  XXXX  will not investigate further was claim was closed on their end by mistake and will not reopen it. I received a letter from Suntrust today, in regard to case  XXXX , stating it is now closed as I did not provide information they requested in a letter dated  XXXX . I believe this is the same letter from  XXXX , asking what the item is that was ordered. The claim rep I spoke with today,  XXXX , stated investigation is still open, which is contrary to what letter states
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Urgent Request : Restoration of Online Banking Access and Resolution of Transfer Issue Dear CFPB Team, I hope this message finds you well. I am writing to inform you of a serious issue I have been experiencing with my account, and I kindly request your immediate assistance. 

During the early days of XX/XX/XXXX, I contacted Wells Fargo support line at least three times to ask the following : I intended to transfer USD XXXX to another person at a different bank in the U.S. I specifically asked if I needed to take any additional steps, activate any services, or notify a specific department to ensure the transaction would go smoothly and be recognized as legitimate and properly authorized. 

I also inquired about the fees associated with the transfer, both on my end and on the recipients end. 

The responses I received were consistent : I was told that no additional actions were necessary, that I should simply register the recipients account, and that there would be no issues since it was a wire transfer and nothing else was required to move my money without any problems. 
Regarding the fees, I received varying information : some operators mentioned a fee of USD XXXX, others USD XXXX, and some said there would be no fee. 

On XX/XX/XXXX, trusting the information provided by your support agents, I proceeded to make the transfer. However, immediately after initiating the transaction, all my online banking access was blocked, marking the beginning of an extremely frustrating experience that continues to this day. 

After numerous attempts to resolve the issue, I was finally connected with a supervisor named XXXX. He informed me that since the account is joint, we could create a user profile in my name and complete the transfer while he was on the line. Following his instructions, I created the user, added the recipients account, and attempted the transfer. However, my online banking access was once again blocked and remains inaccessible to this day. 

Since then, I have been unable to view my account balances, access any of my accounts, or complete the payment I initially intended to make. In an effort to resolve this, we executed a notarized Power of Attorney ( POA ) in favor of my wifes uncle, who is in XXXX, Virginia, USA. He submitted the XXXX at a Wells Fargo office, but within XXXX minutes, we received a response indicating that the request had been denied without any explanation. 

Every time I call to request the unlocking of my account and my wifes, I am told that I need to visit a branch in person. Unfortunately, this is impossible for us at the moment, as we are Venezuelan citizens living in XXXX, XXXX. Our U.S. visas have expired, and our renewal appointment is not until XX/XX/XXXX. As you can imagine, this has created an extremely difficult situation that we did everything possible to avoid from the start. 

This is the first time we have had any issues with the bank in over 10 years as loyal customers.